ਬੈਸਟ ਬੈਲੈਂਸਡ ਮਿਉਚੁਅਲ ਫੰਡ ਇੰਡੀਆ 2022

Updated on November 6, 2025 , 16794 views

ਸਿਖਰਸੰਤੁਲਿਤ ਫੰਡ ਹਨਮਿਉਚੁਅਲ ਫੰਡ ਜੋ ਆਪਣੀ ਜਾਇਦਾਦ ਦਾ 65% ਤੋਂ ਵੱਧ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨਇਕੁਇਟੀ ਅਤੇ ਚੰਗੀ ਸਮੁੱਚੀ ਰਿਟਰਨ ਪੈਦਾ ਕਰਨ ਲਈ ਕਰਜ਼ੇ ਦੇ ਯੰਤਰਾਂ ਵਿੱਚ ਬਾਕੀ ਬਚੀ ਜਾਇਦਾਦ। ਸੰਤੁਲਿਤ ਮਿਉਚੁਅਲ ਫੰਡ ਉਹਨਾਂ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਲਾਭਦਾਇਕ ਹਨ ਜੋ ਲੈਣ ਲਈ ਤਿਆਰ ਹਨਬਜ਼ਾਰ ਕੁਝ ਨਿਸ਼ਚਤ ਰਿਟਰਨ ਦੀ ਤਲਾਸ਼ ਕਰਦੇ ਹੋਏ ਜੋਖਮ. ਇਕੁਇਟੀ ਅਤੇ ਸਟਾਕਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕੀਤੀਆਂ ਸੰਪਤੀਆਂ ਮਾਰਕੀਟ-ਲਿੰਕਡ ਰਿਟਰਨ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦੀਆਂ ਹਨ ਜਦੋਂ ਕਿ ਕਰਜ਼ੇ ਦੇ ਯੰਤਰਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕੀਤੀਆਂ ਸੰਪਤੀਆਂ ਸਥਿਰ ਰਿਟਰਨ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦੀਆਂ ਹਨ। ਇਕੁਇਟੀ ਅਤੇ ਕਰਜ਼ੇ ਦੋਵਾਂ ਦਾ ਸੁਮੇਲ ਹੋਣ ਕਰਕੇ, ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਬਹੁਤ ਧਿਆਨ ਰੱਖਣਾ ਚਾਹੀਦਾ ਹੈ ਜਦੋਂਨਿਵੇਸ਼ ਇਹਨਾਂ ਫੰਡਾਂ ਵਿੱਚ. ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਸਲਾਹ ਦਿੱਤੀ ਜਾਂਦੀ ਹੈ ਕਿ ਉਹ ਸੰਤੁਲਿਤ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ ਚੋਟੀ ਦੇ ਸੰਤੁਲਿਤ ਫੰਡਾਂ ਦੀ ਭਾਲ ਕਰਨ। ਅਸੀਂ ਹੇਠਾਂ ਚੋਟੀ ਦੇ ਸੰਤੁਲਿਤ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਨੂੰ ਸੂਚੀਬੱਧ ਕੀਤਾ ਹੈ।

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ਭਾਰਤ ਵਿੱਚ 2022 - 2023 ਵਿੱਚ ਨਿਵੇਸ਼ਾਂ ਲਈ ਚੋਟੀ ਦੇ 7 ਸੰਤੁਲਿਤ ਮਿਉਚੁਅਲ ਫੰਡ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Sundaram Equity Hybrid Fund Growth	₹135.137 ↑ 0.78	₹1,954	0.5	10.5	27.1	16	14.2
SBI Dynamic Asset Allocation Fund Growth	₹15.9463 ↑ 0.03	₹655	3.9	6.2	25.1	6.9	8.3
Baroda Pioneer Hybrid Equity Fund Growth	₹81.2894 ↑ 0.36	₹389	-3.5	-0.8	14.8	14.3	11.2
Franklin India Multi - Asset Solution Fund Growth	₹21.3977 ↑ 0.00	₹69	1.4	3.7	12.5	14.2	14.6	11.7
SBI Multi Asset Allocation Fund Growth	₹62.9164 ↑ 0.06	₹10,262	6.4	10.7	12.4	17.2	15.1	12.8
IDBI Hybrid Equity Fund Growth	₹17.1253 ↓ -0.01	₹179	7.8	9.8	12.1	14.4	7.1
ICICI Prudential Multi-Asset Fund Growth	₹794.397 ↓ -1.31	₹64,770	5.9	8.1	12	19.3	24.5	16.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

Research Highlights & Commentary of 7 Funds showcased

Commentary	Sundaram Equity Hybrid Fund	SBI Dynamic Asset Allocation Fund	Baroda Pioneer Hybrid Equity Fund	Franklin India Multi - Asset Solution Fund	SBI Multi Asset Allocation Fund	IDBI Hybrid Equity Fund	ICICI Prudential Multi-Asset Fund
Point 1	Upper mid AUM (₹1,954 Cr).	Lower mid AUM (₹655 Cr).	Lower mid AUM (₹389 Cr).	Bottom quartile AUM (₹69 Cr).	Upper mid AUM (₹10,262 Cr).	Bottom quartile AUM (₹179 Cr).	Highest AUM (₹64,770 Cr).
Point 2	Oldest track record among peers (25 yrs).	Established history (10+ yrs).	Established history (22+ yrs).	Established history (10+ yrs).	Established history (19+ yrs).	Established history (9+ yrs).	Established history (23+ yrs).
Point 3	Rating: 2★ (upper mid).	Not Rated.	Rating: 3★ (upper mid).	Not Rated.	Top rated.	Not Rated.	Rating: 2★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 14.20% (lower mid).	5Y return: 8.31% (bottom quartile).	5Y return: 11.17% (lower mid).	5Y return: 14.64% (upper mid).	5Y return: 15.14% (upper mid).	5Y return: 7.09% (bottom quartile).	5Y return: 24.50% (top quartile).
Point 6	3Y return: 16.03% (upper mid).	3Y return: 6.92% (bottom quartile).	3Y return: 14.26% (lower mid).	3Y return: 14.16% (bottom quartile).	3Y return: 17.23% (upper mid).	3Y return: 14.43% (lower mid).	3Y return: 19.29% (top quartile).
Point 7	1Y return: 27.10% (top quartile).	1Y return: 25.12% (upper mid).	1Y return: 14.82% (upper mid).	1Y return: 12.47% (lower mid).	1Y return: 12.36% (lower mid).	1Y return: 12.06% (bottom quartile).	1Y return: 11.97% (bottom quartile).
Point 8	1M return: 1.80% (upper mid).	1M return: 1.04% (lower mid).	1M return: -2.79% (bottom quartile).	1M return: 0.50% (bottom quartile).	1M return: 1.79% (upper mid).	1M return: 2.10% (top quartile).	1M return: 1.09% (lower mid).
Point 9	Alpha: 5.81 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 6.53 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (lower mid).	Alpha: -0.26 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 2.64 (top quartile).	Sharpe: 2.59 (upper mid).	Sharpe: 2.59 (upper mid).	Sharpe: 0.81 (lower mid).	Sharpe: -0.10 (bottom quartile).	Sharpe: 1.03 (lower mid).	Sharpe: 0.08 (bottom quartile).

Sundaram Equity Hybrid Fund

Upper mid AUM (₹1,954 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.20% (lower mid).
3Y return: 16.03% (upper mid).
1Y return: 27.10% (top quartile).
1M return: 1.80% (upper mid).
Alpha: 5.81 (upper mid).
Sharpe: 2.64 (top quartile).

SBI Dynamic Asset Allocation Fund

Lower mid AUM (₹655 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.31% (bottom quartile).
3Y return: 6.92% (bottom quartile).
1Y return: 25.12% (upper mid).
1M return: 1.04% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.59 (upper mid).

Baroda Pioneer Hybrid Equity Fund

Lower mid AUM (₹389 Cr).
Established history (22+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.17% (lower mid).
3Y return: 14.26% (lower mid).
1Y return: 14.82% (upper mid).
1M return: -2.79% (bottom quartile).
Alpha: 6.53 (top quartile).
Sharpe: 2.59 (upper mid).

Franklin India Multi - Asset Solution Fund

Bottom quartile AUM (₹69 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.64% (upper mid).
3Y return: 14.16% (bottom quartile).
1Y return: 12.47% (lower mid).
1M return: 0.50% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.81 (lower mid).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹10,262 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 15.14% (upper mid).
3Y return: 17.23% (upper mid).
1Y return: 12.36% (lower mid).
1M return: 1.79% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.10 (bottom quartile).

IDBI Hybrid Equity Fund

Bottom quartile AUM (₹179 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 7.09% (bottom quartile).
3Y return: 14.43% (lower mid).
1Y return: 12.06% (bottom quartile).
1M return: 2.10% (top quartile).
Alpha: -0.26 (bottom quartile).
Sharpe: 1.03 (lower mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹64,770 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 24.50% (top quartile).
3Y return: 19.29% (top quartile).
1Y return: 11.97% (bottom quartile).
1M return: 1.09% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.08 (bottom quartile).

ਚੋਟੀ ਦੇ 7 ਸੰਤੁਲਿਤ ਫੰਡ

1. Sundaram Equity Hybrid Fund

(Erstwhile Sundaram Balanced Fund)

The scheme seeks to generate capital appreciation and current income through a judicious mix of investments in equities and fixed income securities.

Research Highlights for Sundaram Equity Hybrid Fund

Upper mid AUM (₹1,954 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.20% (lower mid).
3Y return: 16.03% (upper mid).
1Y return: 27.10% (top quartile).
1M return: 1.80% (upper mid).
Alpha: 5.81 (upper mid).
Sharpe: 2.64 (top quartile).
Information ratio: -0.12 (bottom quartile).

Below is the key information for Sundaram Equity Hybrid Fund

Sundaram Equity Hybrid Fund Growth
Launch Date	23 Jun 00
NAV (31 Dec 21)	₹135.137 ↑ 0.78 (0.58 %)
Net Assets (Cr)	₹1,954 on 30 Nov 21
Category	Hybrid - Hybrid Equity
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	2.64
Information Ratio	-0.12
Alpha Ratio	5.81
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹14,493

Sundaram Equity Hybrid Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for Sundaram Equity Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	1.8%
3 Month	0.5%
6 Month	10.5%
1 Year	27.1%
3 Year	16%
5 Year	14.2%
10 Year
15 Year
Since launch	12.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Sundaram Equity Hybrid Fund

Name	Since	Tenure

Data below for Sundaram Equity Hybrid Fund as on 30 Nov 21

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. SBI Dynamic Asset Allocation Fund

The objective of the fund will be to provide investors with an opportunity to invest in a portfolio of a mix of equity and equity related securities and fixed income instruments. The allocation between fixed income and equity instruments will be managed dynamically so as to provide investors with long term capital appreciation However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for SBI Dynamic Asset Allocation Fund

Lower mid AUM (₹655 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.31% (bottom quartile).
3Y return: 6.92% (bottom quartile).
1Y return: 25.12% (upper mid).
1M return: 1.04% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.59 (upper mid).
Information ratio: 0.00 (top quartile).

Below is the key information for SBI Dynamic Asset Allocation Fund

SBI Dynamic Asset Allocation Fund Growth
Launch Date	26 Mar 15
NAV (02 Jul 21)	₹15.9463 ↑ 0.03 (0.18 %)
Net Assets (Cr)	₹655 on 31 May 21
Category	Hybrid - Dynamic Allocation
AMC	SBI Funds Management Private Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.07
Sharpe Ratio	2.59
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000

SBI Dynamic Asset Allocation Fund SIP Returns

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

Returns for SBI Dynamic Asset Allocation Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	1%
3 Month	3.9%
6 Month	6.2%
1 Year	25.1%
3 Year	6.9%
5 Year	8.3%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for SBI Dynamic Asset Allocation Fund

Name	Since	Tenure

Data below for SBI Dynamic Asset Allocation Fund as on 31 May 21

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. Baroda Pioneer Hybrid Equity Fund

(Erstwhile Baroda Pioneer Balance Fund)

The scheme is targeted for long-term capital appreciation along with stability through a well balanced portfolio comprising of equity,equity related instruments, money market instrument and debt securities.

Research Highlights for Baroda Pioneer Hybrid Equity Fund

Lower mid AUM (₹389 Cr).
Established history (22+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.17% (lower mid).
3Y return: 14.26% (lower mid).
1Y return: 14.82% (upper mid).
1M return: -2.79% (bottom quartile).
Alpha: 6.53 (top quartile).
Sharpe: 2.59 (upper mid).
Information ratio: -0.07 (lower mid).

Below is the key information for Baroda Pioneer Hybrid Equity Fund

Baroda Pioneer Hybrid Equity Fund Growth
Launch Date	12 Sep 03
NAV (11 Mar 22)	₹81.2894 ↑ 0.36 (0.45 %)
Net Assets (Cr)	₹389 on 31 Jan 22
Category	Hybrid - Hybrid Equity
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.48
Sharpe Ratio	2.59
Information Ratio	-0.07
Alpha Ratio	6.53
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹15,052

Baroda Pioneer Hybrid Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for Baroda Pioneer Hybrid 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 31 Dec 21

Duration	Returns
1 Month	-2.8%
3 Month	-3.5%
6 Month	-0.8%
1 Year	14.8%
3 Year	14.3%
5 Year	11.2%
10 Year
15 Year
Since launch	12%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Baroda Pioneer Hybrid Equity Fund

Name	Since	Tenure

Data below for Baroda Pioneer Hybrid Equity Fund as on 31 Jan 22

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. Franklin India Multi - Asset Solution Fund

The Fund seeks to achieve capital appreciation and diversification through a mix of strategic and tactical allocation to various asset classes such as equity, debt, gold and cash by investing in funds investing in these asset classes. However, there is no assurance or guarantee that the objective of the scheme will be achieved.

Research Highlights for Franklin India Multi - Asset Solution Fund

Bottom quartile AUM (₹69 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.64% (upper mid).
3Y return: 14.16% (bottom quartile).
1Y return: 12.47% (lower mid).
1M return: 0.50% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.81 (lower mid).
Information ratio: 0.00 (upper mid).

Below is the key information for Franklin India Multi - Asset Solution Fund

Franklin India Multi - Asset Solution Fund Growth
Launch Date	28 Nov 14
NAV (06 Nov 25)	₹21.3977 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹69 on 31 Aug 25
Category	Hybrid - Dynamic Allocation
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.36
Sharpe Ratio	0.81
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)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹13,468
31 Oct 22	₹13,622
31 Oct 23	₹15,102
31 Oct 24	₹17,980
31 Oct 25	₹20,247

Franklin India Multi - Asset Solution Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for Franklin India Multi - Asset Solution Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3.7%
1 Year	12.5%
3 Year	14.2%
5 Year	14.6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.7%
2023	14.9%
2022	3.9%
2021	25.5%
2020	-14%
2019	8.2%
2018	0.4%
2017	11.1%
2016	7.8%
2015	0.8%

Fund Manager information for Franklin India Multi - Asset Solution Fund

Name	Since	Tenure
Rahul Goswami	4 Jul 25	0.24 Yr.
Pallab Roy	4 Jul 25	0.24 Yr.
Rohan Maru	4 Jul 25	0.24 Yr.

Data below for Franklin India Multi - Asset Solution Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	47.81%
Debt	52.26%
Other	0.13%

Equity Sector Allocation

Sector	Value
Financial Services	9.34%
Consumer Cyclical	2.88%
Basic Materials	2.39%
Industrials	2.15%
Technology	2.11%
Energy	2.08%
Consumer Defensive	2.02%
Health Care	1.58%
Communication Services	1.58%
Utility	1.01%
Real Estate	0.62%

Debt Sector Allocation

Sector	Value
Cash Equivalent	41.66%
Corporate	34.37%
Government	23.71%
Securitized	0.34%

Credit Quality

Rating	Value
AA	5.21%
AAA	94.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Franklin India Arbitrage Dir Gr Investment Fund \| -	18%	₹14 Cr	13,127,204 ↑ 1,418,188
Franklin India Corp Dbt Dir Gr Investment Fund \| -	18%	₹13 Cr	1,220,798 ↑ 91,196
Franklin India Gov Sec Dir Gr Investment Fund \| -	12%	₹10 Cr	1,479,927
Kotak Arbitrage Dir Gr Investment Fund \| -	9%	₹7 Cr	1,604,752 ↑ 420,152
Axis Corporate Bond Dir Gr Investment Fund \| -	7%	₹6 Cr	2,994,043
Kotak Corporate Bond Dir Gr Investment Fund \| -	7%	₹6 Cr	13,741
Bandhan Corporate Bond Dir Gr Investment Fund \| -	7%	₹5 Cr	2,734,146
Tata Arbitrage Dir Gr Investment Fund \| -	6%	₹5 Cr	3,139,861
Aditya BSL Arbitrage Dir Gr Investment Fund \| -	6%	₹5 Cr	1,656,759
Franklin India Money Mkt Dir Gr Investment Fund \| -	6%	₹5 Cr	856,144 ↑ 664,702

5. SBI Multi Asset Allocation Fund

(Erstwhile SBI Magnum Monthly Income Plan Floater)

To provide regular income, liquidity and attractive returns to investors in addition to mitigating the impact of interest rate risk through an actively managed portfolio of floating rate and fixed rate debt instruments, equity, money market instruments and derivatives.

Research Highlights for SBI Multi Asset Allocation Fund

Upper mid AUM (₹10,262 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 15.14% (upper mid).
3Y return: 17.23% (upper mid).
1Y return: 12.36% (lower mid).
1M return: 1.79% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.10 (bottom quartile).
Information ratio: 0.00 (upper mid).

Below is the key information for SBI Multi Asset Allocation Fund

SBI Multi Asset Allocation Fund Growth
Launch Date	21 Dec 05
NAV (07 Nov 25)	₹62.9164 ↑ 0.06 (0.09 %)
Net Assets (Cr)	₹10,262 on 15 Sep 25
Category	Hybrid - Multi Asset
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.46
Sharpe Ratio	-0.1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹12,175
31 Oct 22	₹12,647
31 Oct 23	₹14,604
31 Oct 24	₹18,418
31 Oct 25	₹20,595

SBI Multi Asset Allocation Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for SBI Multi Asset Allocation Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	1.8%
3 Month	6.4%
6 Month	10.7%
1 Year	12.4%
3 Year	17.2%
5 Year	15.1%
10 Year
15 Year
Since launch	9.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	12.8%
2023	24.4%
2022	6%
2021	13%
2020	14.2%
2019	10.6%
2018	0.4%
2017	10.9%
2016	8.7%
2015	9.9%

Fund Manager information for SBI Multi Asset Allocation Fund

Name	Since	Tenure
Dinesh Balachandran	31 Oct 21	3.92 Yr.
Mansi Sajeja	1 Dec 23	1.84 Yr.
Vandna Soni	1 Jan 24	1.75 Yr.

Data below for SBI Multi Asset Allocation Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	7.86%
Equity	45.43%
Debt	36%
Other	10.72%

Equity Sector Allocation

Sector	Value
Financial Services	14.35%
Consumer Cyclical	6.37%
Real Estate	5.02%
Technology	4.06%
Basic Materials	3.76%
Energy	3.72%
Consumer Defensive	3.31%
Industrials	2.12%
Utility	1.49%
Health Care	0.87%
Communication Services	0.36%

Debt Sector Allocation

Sector	Value
Corporate	27.4%
Government	9.48%
Cash Equivalent	6.97%

Credit Quality

Rating	Value
A	2.69%
AA	59.06%
AAA	36.28%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Silver ETF - \| -	7%	₹804 Cr	46,296,178 ↓ -5,000,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	4%	₹445 Cr	45,000,000 ↑ 25,000,000
SBI Gold ETF - \| -	4%	₹405 Cr	37,241,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	2%	₹273 Cr	27,500,000 ↑ 17,500,000
Brookfield India Real Estate Trust (Real Estate) -, Since 30 Apr 25 \| 543261	2%	₹262 Cr	7,664,234
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 22 \| HDFCBANK	2%	₹260 Cr	2,662,000
Reliance Industries Ltd (Energy) Equity, Since 15 Sep 24 \| RELIANCE	2%	₹236 Cr	1,720,000
Bharti Telecom Limited Debentures \| -	2%	₹208 Cr	20,000
Embassy Office Parks REIT (Real Estate) -, Since 30 Apr 25 \| 542602	2%	₹208 Cr	4,900,000
TATA Power Renewable Energy Limited Debentures \| -	2%	₹206 Cr	20,000

6. IDBI Hybrid Equity Fund

(Erstwhile IDBI Prudence Fund)

The investment objective of the scheme would be to generate opportunities for capital appreciation along with income by investing in a diversified basket of equity and equity related instruments, debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for IDBI Hybrid Equity Fund

Bottom quartile AUM (₹179 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 7.09% (bottom quartile).
3Y return: 14.43% (lower mid).
1Y return: 12.06% (bottom quartile).
1M return: 2.10% (top quartile).
Alpha: -0.26 (bottom quartile).
Sharpe: 1.03 (lower mid).
Information ratio: -1.03 (bottom quartile).

Below is the key information for IDBI Hybrid Equity Fund

IDBI Hybrid Equity Fund Growth
Launch Date	24 Oct 16
NAV (28 Jul 23)	₹17.1253 ↓ -0.01 (-0.05 %)
Net Assets (Cr)	₹179 on 30 Jun 23
Category	Hybrid - Hybrid Equity
AMC	IDBI Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.52
Sharpe Ratio	1.03
Information Ratio	-1.03
Alpha Ratio	-0.26
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹13,613
31 Oct 22	₹13,330

IDBI Hybrid Equity Fund SIP Returns

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

Returns for IDBI Hybrid 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 31 Dec 21

Duration	Returns
1 Month	2.1%
3 Month	7.8%
6 Month	9.8%
1 Year	12.1%
3 Year	14.4%
5 Year	7.1%
10 Year
15 Year
Since launch	8.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI Hybrid Equity Fund

Name	Since	Tenure

Data below for IDBI Hybrid Equity Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

7. ICICI Prudential Multi-Asset Fund

(Erstwhile ICICI Prudential Dynamic Plan)

To generate capital appreciation by actively investing in equity and equity related securities. For defensive considerations, the Scheme may invest in debt, money market instruments and derivatives. The investment manager will have the discretion to take aggressive asset calls i.e. by staying 100% invested in equity market/equity related instruments at a given point of time and 0% at another, in which case, the fund may be invested in debt related instruments at its discretion. The AMC may choose to churn the portfolio of the Scheme in order to achieve the investment objective. The Scheme is suitable for investors seeking high returns and for those who are willing to take commensurate risks.

Research Highlights for ICICI Prudential Multi-Asset Fund

Highest AUM (₹64,770 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 24.50% (top quartile).
3Y return: 19.29% (top quartile).
1Y return: 11.97% (bottom quartile).
1M return: 1.09% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.08 (bottom quartile).
Information ratio: 0.00 (lower mid).

Below is the key information for ICICI Prudential Multi-Asset Fund

ICICI Prudential Multi-Asset Fund Growth
Launch Date	31 Oct 02
NAV (06 Nov 25)	₹794.397 ↓ -1.31 (-0.16 %)
Net Assets (Cr)	₹64,770 on 31 Aug 25
Category	Hybrid - Multi Asset
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.47
Sharpe Ratio	0.08
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹16,196
31 Oct 22	₹18,209
31 Oct 23	₹21,301
31 Oct 24	₹27,646
31 Oct 25	₹31,162

ICICI Prudential Multi-Asset Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for ICICI Prudential Multi-Asset Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	1.1%
3 Month	5.9%
6 Month	8.1%
1 Year	12%
3 Year	19.3%
5 Year	24.5%
10 Year
15 Year
Since launch	20.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	16.1%
2023	24.1%
2022	16.8%
2021	34.7%
2020	9.9%
2019	7.7%
2018	-2.2%
2017	28.2%
2016	12.5%
2015	-1.4%

Fund Manager information for ICICI Prudential Multi-Asset Fund

Name	Since	Tenure
Sankaran Naren	1 Feb 12	13.67 Yr.
Manish Banthia	22 Jan 24	1.69 Yr.
Ihab Dalwai	3 Jun 17	8.33 Yr.
Akhil Kakkar	22 Jan 24	1.69 Yr.
Sri Sharma	30 Apr 21	4.42 Yr.
Gaurav Chikane	2 Aug 21	4.17 Yr.
Sharmila D’mello	31 Jul 22	3.17 Yr.
Masoomi Jhurmarvala	4 Nov 24	0.91 Yr.

Data below for ICICI Prudential Multi-Asset Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	22.2%
Equity	57.25%
Debt	10.03%
Other	10.52%

Equity Sector Allocation

Sector	Value
Financial Services	17.95%
Consumer Cyclical	8.86%
Basic Materials	7.33%
Industrials	6.15%
Energy	6.04%
Technology	5.84%
Health Care	4.53%
Consumer Defensive	4.5%
Communication Services	2.8%
Utility	2.25%
Real Estate	1.66%

Debt Sector Allocation

Sector	Value
Cash Equivalent	18.67%
Government	7.94%
Corporate	5.62%

Credit Quality

Rating	Value
A	1.3%
AA	16.74%
AAA	78.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Gold (1 Kg-1000 Gms) Commodity December 2025 Future Others \| -	4%	₹2,767 Cr	2,360 ↑ 2,360
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 20 \| RELIANCE	4%	₹2,399 Cr	17,590,305 ↑ 1,000,000
ICICI Pru Gold ETF - \| -	3%	₹2,236 Cr	224,590,882
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 06 \| ICICIBANK	3%	₹2,156 Cr	15,996,800
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| 532215	3%	₹1,957 Cr	17,293,581 ↓ -312,500
Infosys Ltd (Technology) Equity, Since 31 Oct 19 \| INFY	2%	₹1,616 Cr	11,209,213 ↑ 2,139,229
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 19 \| LT	2%	₹1,598 Cr	4,367,092 ↓ -280,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Aug 21 \| MARUTI	2%	₹1,527 Cr	952,730 ↓ -360,400
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 22 \| HDFCBANK	2%	₹1,493 Cr	15,702,364 ↑ 909,566
ICICI Prudential Silver ETF - \| -	2%	₹1,402 Cr	98,749,075 ↓ -55,382,267

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