ਤੁਹਾਡੇ ਇਕਮੁਸ਼ਤ ਨਿਵੇਸ਼ ਲਈ ਡੈਬਟ ਮਿutਚੁਅਲ ਫੰਡ

Updated on January 27, 2026 , 2485 views

ਆਮ ਤੌਰ 'ਤੇ, ਜਦੋਂ ਕੋਈ ਚਾਹੁੰਦਾ ਹੈਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿਚ ਨਿਵੇਸ਼ ਕਰੋ, ਉਹ ਉਲਝਣ ਵਿੱਚ ਹਨ ਜੇ ਉਹਨਾਂ ਨੂੰ ਇੱਕ ਲੈਣਾ ਚਾਹੀਦਾ ਹੈਐਸ.ਆਈ.ਪੀ. ਰਸਤਾ ਜਾਂ ਇਕਮੁਸ਼ਤ ਰਕਮ. ਆਓ ਤੁਹਾਡੇ ਲਈ ਇਹ ਸਧਾਰਣ ਬਣਾਉਂਦੇ ਹਾਂ! ਨਿਵੇਸ਼ਕ ਜੋ ਕਰਜ਼ੇ ਦੇ ਫੰਡਾਂ ਵਿਚ ਨਿਵੇਸ਼ ਕਰਨ ਦੀ ਯੋਜਨਾ ਬਣਾ ਰਹੇ ਹਨ, ਉਨ੍ਹਾਂ ਨੂੰ ਆਦਰਸ਼ਕ ਤੌਰ 'ਤੇ ਇਕ ਸਮੇਂ ਦਾ ਭੁਗਤਾਨ ਵਿਧੀ ਚੁਣਨੀ ਚਾਹੀਦੀ ਹੈ, ਜੋ ਕਿ ਨਿਵੇਸ਼ ਦਾ ਇਕਮੁਸ਼ਤ ਰਕਮ ਹੈ. ਇਹ ਅਸਾਨ ਨਾਲ ਇੱਕ ਛੋਟੇ ਅਵਧੀ ਲਈ ਨਿਵੇਸ਼ ਕਰਨਾ ਹਮੇਸ਼ਾਂ ਬੁੱਧੀਮਾਨ ਹੁੰਦਾ ਹੈਤਰਲਤਾ.

ਡੈਬਟ ਮਿutਚੁਅਲ ਫੰਡ ਨਿਵੇਸ਼ ਲਈ ਇਕਮੁਸ਼ਤ ਰਕਮ ਕਿਉਂ?

ਇਕਮੁਸ਼ਤ ਨਿਵੇਸ਼ ਲਈ, ਕਰਜ਼ੇ ਦੇ ਫੰਡਾਂ ਦੀ ਤੁਲਨਾ ਵਿਚ ਬਿਹਤਰ ਵਿਕਲਪ ਹਨਇਕੁਇਟੀ ਮਿਉਚੁਅਲ ਫੰਡ. ਇਕਮੁਸ਼ਤ ਰਸਤਾ ਵਿਆਜ ਦਰ ਵਿਚ ਤਬਦੀਲੀ ਦੇ ਜੋਖਮ ਨੂੰ ਘਟਾਉਂਦਾ ਹੈ ਅਤੇ ਨਾਲ ਹੀ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ (ਐੱਫ ਡੀ) ਦੀ ਤੁਲਨਾ ਵਿਚ ਵਧੀਆ ਵਾਪਸੀ ਦਿੰਦਾ ਹੈ. ਆਦਰਸ਼ਕ ਤੌਰ ਤੇ, ਜਦੋਂ ਤੁਸੀਂ ਇੱਕਮੁਸ਼ਤ ਰਸਤਾ ਲੈਂਦੇ ਹੋਏ ਕਰਜ਼ੇ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹੋ, ਤਾਂ ਇਹ ਦੋ ਮੁੱਦਿਆਂ ਨੂੰ ਹੱਲ ਕਰਦਾ ਹੈ - ਇੱਕ ਟੈਕਸ ਲਾਭ ਅਤੇ ਦੂਜਾ ਮੁੜ ਨਿਵੇਸ਼ ਦਾ ਜੋਖਮ.

ਵੱਧ ਰਹੀਆਂ ਵਿਆਜ ਦਰਾਂ ਦੌਰਾਨ, ਉੱਚ ਗੁਣਵੱਤਾ ਦੇ ਪੋਰਟਫੋਲੀਓ ਦੇ ਨਾਲ ਕਰਜ਼ੇ ਦੇ ਅਧਾਰਤ ਫੰਡਾਂ ਵਿਚ ਇਕਮੁਸ਼ਤ ਰਸਤਾ ਅਪਣਾਉਣਾ ਚੰਗਾ ਸਮਾਂ ਹੈਬਾਂਡ. ਇਹ ਫੰਡ ਆਮ ਤੌਰ 'ਤੇ ਉਨ੍ਹਾਂ ਲੋਕਾਂ ਲਈ areੁਕਵੇਂ ਹੁੰਦੇ ਹਨ ਜਿਨ੍ਹਾਂ ਕੋਲ ਵਿਹਲੀ ਬਚਤ ਹੁੰਦੀ ਹੈ ਅਤੇ ਅਨੁਕੂਲ ਰਿਟਰਨਾਂ ਲਈ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹਨ. ਇਕਮੁਸ਼ਤ ਅਦਾਇਗੀ ਦੀ ਕਿਸੇ ਵੀ ਗਿਣਤੀ ਵਿਚ ਕੀਤਾ ਜਾ ਸਕਦਾ ਹੈਮਿਉਚੁਅਲ ਫੰਡ.

ਯੋਜਨਾਬੱਧ ਦੇ ਮੁਕਾਬਲੇ ਇਕਮੁਸ਼ਤ ਨਿਵੇਸ਼ ਵਧੀਆ ਕੰਮ ਕਰਦਾ ਹੈਨਿਵੇਸ਼ ਦੀ ਯੋਜਨਾ- ਸਿਰਫ ਤਾਂ ਹੀ ਜੇਕਰ ਮਾਰਕੀਟ ਦੀ ਗੜਬੜ ਦੌਰਾਨ ਜਾਂ ਘੱਟ ਮੁੱਲਾਂਕਣ ਤੇ ਨਿਵੇਸ਼ ਕੀਤਾ ਜਾਂਦਾ ਹੈ. ਹਾਲਾਂਕਿ, ਇਕਮੁਸ਼ਤ ਰਕਮਨਿਵੇਸ਼ ਬਾਜ਼ਾਰ ਦੀਆਂ ਮੁਲਾਂਕਣਾਂ ਨੂੰ ਵਧਾਉਣ ਵੇਲੇ ਜਾਂ ਜਦੋਂ ਤੁਹਾਡੇ ਨਿਵੇਸ਼ ਦੇ ਸ਼ੁਰੂਆਤੀ ਪੜਾਅ ਵਿੱਚ ਮਾਰਕੀਟ ਤੇਜ਼ੀ ਨਾਲ ਸਹੀ ਹੋ ਜਾਂਦੀ ਹੈ ਤਾਂ ਕੋਈ ਕੰਮ ਨਹੀਂ ਕਰ ਸਕਦਾ.

ਡੈਬਟ ਫੰਡਾਂ ਵਿਚ ਕਿਵੇਂ ਨਿਵੇਸ਼ ਕੀਤਾ ਜਾਵੇ: ਮੁਲਾਂਕਣ ਕਰੋ

ਫੰਡ ਰਿਟਰਨ- ਖਾਣੇ ਦਾ ਚੰਗਾ ਰਿਕਾਰਡ ਹੋਣਾ ਚਾਹੀਦਾ ਹੈ. ਇੱਕ ਫੰਡ ਹਾ houseਸ ਲਈ ਜਾਓ ਜਿਸਦਾ ਨਿਰੰਤਰ ਪ੍ਰਦਰਸ਼ਨ ਪੇਸ਼ ਕਰਨ ਦਾ ਇੱਕ ਮਜ਼ਬੂਤ ਇਤਿਹਾਸ ਹੈ. ਫੰਡ ਦੇ ਪਿਛਲੇ 1, 3 ਅਤੇ 5 ਸਾਲ ਦੇ ਰਿਟਰਨ ਦੀ ਜਾਂਚ ਕਰੋ ਅਤੇ ਜੇ ਇਹ ਇਸਦੇ ਬੈਂਚਮਾਰਕ ਨੂੰ ਹਰਾਉਣ ਦੇ ਯੋਗ ਹੈ ਜਾਂ ਨਹੀਂ.

ਮੈਚ ਦੇ ਸਮੇਂ ਦੀ ਦੂਰੀ- ਡੈਬਟ ਫੰਡ ਆਪਣੀ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਦੀ ਮਿਆਦ ਦੇ ਨਾਲ ਨਿਵੇਸ਼ ਦੀਆਂ ਵਿਭਿੰਨ ਵਿਕਲਪ ਪੇਸ਼ ਕਰਦੇ ਹਨ. ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਆਪਣੀ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਦੀ ਮਿਆਦ ਦੇ ਅਧਾਰ ਤੇ ਨਿਵੇਸ਼ ਦਾ ਫੈਸਲਾ ਕਰਨ ਦੀ ਜ਼ਰੂਰਤ ਹੁੰਦੀ ਹੈ, ਜਦੋਂ ਕਿ ਉਹ ਦੂਜੇ ਨਾਲ ਤੁਲਨਾ ਵੀ ਕਰ ਸਕਦੇ ਹਨਡੈਬਟ ਫੰਡ ਸਾਧਨ ਅਤੇ ਇਕ ਦੀ ਚੋਣ ਕਰੋ ਜੋ ਉਨ੍ਹਾਂ ਦੀ ਯੋਜਨਾ ਲਈ ਸਭ ਤੋਂ ਵਧੀਆ ਹੋਵੇ. ਉਦਾਹਰਣ ਦੇ ਲਈ, ਜੇ ਤੁਸੀਂ ਇਕ ਸਾਲ ਦੀ ਨਿਵੇਸ਼ ਯੋਜਨਾ ਦੇ ਸਮੇਂ ਅਨੁਸਾਰ ਵੇਖ ਰਹੇ ਹੋ, ਤਾਂ ਥੋੜ੍ਹੇ ਸਮੇਂ ਲਈ ਕਰਜ਼ਾ ਫੰਡ ਆਦਰਸ਼ਕ ਤੌਰ 'ਤੇ ਅਨੁਕੂਲ ਹੋ ਸਕਦਾ ਹੈ.

ਖਰਚਾ ਅਨੁਪਾਤ- ਡੈਬਟ ਫੰਡਾਂ ਵਿੱਚ ਵਿਚਾਰੇ ਜਾਣ ਵਾਲੇ ਇੱਕ ਮਹੱਤਵਪੂਰਣ ਕਾਰਕ ਦਾ ਇਸਦਾ ਖਰਚਾ ਅਨੁਪਾਤ ਹੈ. ਖਰਚਿਆਂ ਦਾ ਉੱਚਾ ਅਨੁਪਾਤ ਫੰਡਾਂ ਦੀ ਕਾਰਗੁਜ਼ਾਰੀ ਤੇ ਵੱਡਾ ਪ੍ਰਭਾਵ ਪੈਦਾ ਕਰਦਾ ਹੈ. ਉਦਾਹਰਣ ਲਈ,ਤਰਲ ਫੰਡ ਸਭ ਤੋਂ ਘੱਟ ਖਰਚਾ ਅਨੁਪਾਤ ਹਨ ਜੋ 50 ਬੀ ਪੀਐਸ ਤੱਕ ਹੁੰਦੇ ਹਨ (ਬੀ ਪੀ ਐਸ ਇਕ ਵਿਆਜ ਦਰਾਂ ਨੂੰ ਮਾਪਣ ਲਈ ਇਕਾਈ ਹੈ ਜਿਸ ਵਿਚ ਇਕ ਬੀ ਪੀਐਸ 1% ਦੇ 1/100 ਵੇਂ ਦੇ ਬਰਾਬਰ ਹੈ) ਜਦੋਂ ਕਿ, ਹੋਰ ਰਿਣ ਫੰਡ 150 ਬੀ ਪੀਐਸ ਤੱਕ ਲੈ ਸਕਦੇ ਹਨ. ਇਸ ਲਈ ਇੱਕ ਡੈਬਟ ਮਿ mutualਚੁਅਲ ਫੰਡ ਦੇ ਵਿਚਕਾਰ ਚੋਣ ਕਰਨ ਲਈ, ਪ੍ਰਬੰਧਨ ਫੀਸ ਜਾਂ ਫੰਡ ਦੇ ਚੱਲ ਰਹੇ ਖਰਚਿਆਂ 'ਤੇ ਵਿਚਾਰ ਕਰਨਾ ਮਹੱਤਵਪੂਰਨ ਹੈ.

ਚੋਟੀ ਦੇ 10 ਸਰਬੋਤਮ ਇਕਮੁਸ਼ਤ ਕਰਜ਼ਾ ਮਿutਚਲ ਫੰਡ 2020 - 2021

ਹੇਠਾਂ ਚੋਟੀ ਦੇ ਦਰਜੇ ਵਾਲੇ ਫੰਡ ਹਨਕਰਜ਼ਾ ਵਰਗ ਮੁੱਖ ਤੌਰ 'ਤੇ ਹੋਣ ਵਾਲੇ ਫੰਡਏਯੂਐਮ> 2000 ਕਰੋੜ ਅਤੇ ਅਲਟਰਾ-ਸ਼ਾਰਟ, ਕਾਰਪੋਰੇਟ ਬਾਂਡ, ਕ੍ਰੈਡਿਟ ਜੋਖਮ, ਘੱਟ ਅਵਧੀ ਦੀਆਂ ਸਬ ਸ਼੍ਰੇਣੀਆਂ ਵਿੱਚ ਹਨ.

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹567.471 ↑ 0.01	₹23,615	1,000	1.2	2.8	7.1	7.4	7.4	6.81%	5M 19D	6M 11D
HDFC Corporate Bond Fund Growth	₹33.3323 ↑ 0.01	₹34,805	5,000	0.3	1.5	6.4	7.5	7.3	7.13%	4Y 6M 11D	7Y 9M 18D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹115.617 ↓ -0.04	₹29,856	1,000	0.3	1.5	6.3	7.5	7.4	7.12%	4Y 10M 24D	7Y 6M 14D
HDFC Credit Risk Debt Fund Growth	₹24.8841 ↑ 0.01	₹6,974	5,000	0.9	2.6	7.4	7.4	8	8.1%	2Y 5M 16D	3Y 11M 5D
ICICI Prudential Corporate Bond Fund Growth	₹30.808 ↑ 0.01	₹33,871	5,000	0.9	2.3	7.4	7.7	8	7.02%	2Y 11M 1D	5Y 5M 12D
ICICI Prudential Savings Fund Growth	₹563.474 ↑ 0.02	₹30,163	500	1.3	2.8	7.4	7.7	7.7	6.8%	8M 5D	1Y 3M 4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Jan 26

Research Highlights & Commentary of 6 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	HDFC Corporate Bond Fund	Aditya Birla Sun Life Corporate Bond Fund	HDFC Credit Risk Debt Fund	ICICI Prudential Corporate Bond Fund	ICICI Prudential Savings Fund
Point 1	Bottom quartile AUM (₹23,615 Cr).	Highest AUM (₹34,805 Cr).	Lower mid AUM (₹29,856 Cr).	Bottom quartile AUM (₹6,974 Cr).	Upper mid AUM (₹33,871 Cr).	Upper mid AUM (₹30,163 Cr).
Point 2	Established history (22+ yrs).	Established history (15+ yrs).	Oldest track record among peers (28 yrs).	Established history (11+ yrs).	Established history (16+ yrs).	Established history (23+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 7.05% (lower mid).	1Y return: 6.37% (bottom quartile).	1Y return: 6.31% (bottom quartile).	1Y return: 7.40% (top quartile).	1Y return: 7.38% (upper mid).	1Y return: 7.37% (upper mid).
Point 6	1M return: 0.26% (top quartile).	1M return: -0.24% (bottom quartile).	1M return: -0.27% (bottom quartile).	1M return: 0.18% (upper mid).	1M return: 0.03% (lower mid).	1M return: 0.23% (upper mid).
Point 7	Sharpe: 3.14 (top quartile).	Sharpe: 0.63 (bottom quartile).	Sharpe: 0.66 (bottom quartile).	Sharpe: 1.63 (upper mid).	Sharpe: 1.43 (lower mid).	Sharpe: 2.95 (upper mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 7.13% (upper mid).	Yield to maturity (debt): 7.12% (upper mid).	Yield to maturity (debt): 8.10% (top quartile).	Yield to maturity (debt): 7.02% (lower mid).	Yield to maturity (debt): 6.80% (bottom quartile).
Point 10	Modified duration: 0.47 yrs (top quartile).	Modified duration: 4.53 yrs (bottom quartile).	Modified duration: 4.90 yrs (bottom quartile).	Modified duration: 2.46 yrs (upper mid).	Modified duration: 2.92 yrs (lower mid).	Modified duration: 0.68 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

Bottom quartile AUM (₹23,615 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.05% (lower mid).
1M return: 0.26% (top quartile).
Sharpe: 3.14 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).

HDFC Corporate Bond Fund

Highest AUM (₹34,805 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.37% (bottom quartile).
1M return: -0.24% (bottom quartile).
Sharpe: 0.63 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.13% (upper mid).
Modified duration: 4.53 yrs (bottom quartile).

Aditya Birla Sun Life Corporate Bond Fund

Lower mid AUM (₹29,856 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.31% (bottom quartile).
1M return: -0.27% (bottom quartile).
Sharpe: 0.66 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 4.90 yrs (bottom quartile).

HDFC Credit Risk Debt Fund

Bottom quartile AUM (₹6,974 Cr).
Established history (11+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.40% (top quartile).
1M return: 0.18% (upper mid).
Sharpe: 1.63 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.10% (top quartile).
Modified duration: 2.46 yrs (upper mid).

ICICI Prudential Corporate Bond Fund

Upper mid AUM (₹33,871 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.38% (upper mid).
1M return: 0.03% (lower mid).
Sharpe: 1.43 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (lower mid).
Modified duration: 2.92 yrs (lower mid).

ICICI Prudential Savings Fund

Upper mid AUM (₹30,163 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.37% (upper mid).
1M return: 0.23% (upper mid).
Sharpe: 2.95 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.80% (bottom quartile).
Modified duration: 0.68 yrs (upper mid).

1. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Research Highlights for Aditya Birla Sun Life Savings Fund

Bottom quartile AUM (₹23,615 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.05% (lower mid).
1M return: 0.26% (top quartile).
Sharpe: 3.14 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).
Average maturity: 0.53 yrs (top quartile).
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 Jan 26)	₹567.471 ↑ 0.01 (0.00 %)
Net Assets (Cr)	₹23,615 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.14
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,389
31 Dec 22	₹10,884
31 Dec 23	₹11,664
31 Dec 24	₹12,580
31 Dec 25	₹13,510

Aditya Birla Sun Life Savings Fund SIP Returns

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

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 26

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	2.8%
1 Year	7.1%
3 Year	7.4%
5 Year	6.2%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.9%
2022	7.2%
2021	4.8%
2020	3.9%
2019	7%
2018	8.5%
2017	7.6%
2016	7.2%
2015	9.2%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.54 Yr.
Kaustubh Gupta	15 Jul 11	14.48 Yr.
Monika Gandhi	22 Mar 21	4.78 Yr.

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

Asset Allocation

Asset Class	Value
Cash	47.86%
Debt	51.91%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	53.86%
Cash Equivalent	29.6%
Government	16.31%

Credit Quality

Rating	Value
AA	25.17%
AAA	74.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹615 Cr	60,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹547 Cr	54,000
Nirma Limited Debentures \| -	2%	₹486 Cr	48,500
Bharti Telecom Limited Debentures \| -	2%	₹399 Cr	40,000 ↑ 5,000
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹376 Cr	37,500,000
Muthoot Finance Limited Debentures \| -	1%	₹352 Cr	35,000
Mankind Pharma Limited Debentures \| -	1%	₹347 Cr	34,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹304 Cr	30,000
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000

2. 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 (₹34,805 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.37% (bottom quartile).
1M return: -0.24% (bottom quartile).
Sharpe: 0.63 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.13% (upper mid).
Modified duration: 4.53 yrs (bottom quartile).
Average maturity: 7.80 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 Jan 26)	₹33.3323 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹34,805 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	0.63
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.13%
Effective Maturity	7 Years 9 Months 18 Days
Modified Duration	4 Years 6 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,390
31 Dec 22	₹10,730
31 Dec 23	₹11,503
31 Dec 24	₹12,487
31 Dec 25	₹13,403

HDFC Corporate Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 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 29 Jan 26

Duration	Returns
1 Month	-0.2%
3 Month	0.3%
6 Month	1.5%
1 Year	6.4%
3 Year	7.5%
5 Year	6%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	8.6%
2022	7.2%
2021	3.3%
2020	3.9%
2019	11.8%
2018	10.3%
2017	6.5%
2016	6.5%
2015	10.6%

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	10.19 Yr.
Dhruv Muchhal	22 Jun 23	2.53 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.73%
Debt	95.98%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	57.46%
Government	38.51%
Cash Equivalent	3.74%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	7%	₹2,428 Cr	250,000,000 ↑ 30,000,000
Bajaj Finance Limited Debentures \| -	3%	₹1,121 Cr	112,500
6.9% Govt Stock 2065 Sovereign Bonds \| -	3%	₹1,047 Cr	111,000,000
6.82% Govt Stock 2033 Sovereign Bonds \| -	2%	₹836 Cr	81,000,000
State Bank Of India Debentures \| -	2%	₹775 Cr	775 ↓ -25
6.92% Govt Stock 2039 Sovereign Bonds \| -	2%	₹730 Cr	73,000,000 ↓ -2,000,000
HDFC Bank Limited Debentures \| -	1%	₹512 Cr	50,000
Small Industries Development Bank Of India Debentures \| -	1%	₹507 Cr	50,000
LIC Housing Finance Ltd Debentures \| -	1%	₹507 Cr	5,000
Rural Electrification Corporation Limited Debentures \| -	1%	₹469 Cr	4,500

3. 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

Lower mid AUM (₹29,856 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.31% (bottom quartile).
1M return: -0.27% (bottom quartile).
Sharpe: 0.66 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 4.90 yrs (bottom quartile).
Average maturity: 7.54 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 Jan 26)	₹115.617 ↓ -0.04 (-0.04 %)
Net Assets (Cr)	₹29,856 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	0.66
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.12%
Effective Maturity	7 Years 6 Months 14 Days
Modified Duration	4 Years 10 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,404
31 Dec 22	₹10,828
31 Dec 23	₹11,618
31 Dec 24	₹12,610
31 Dec 25	₹13,539

Aditya Birla Sun Life Corporate Bond Fund SIP Returns

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

Returns for Aditya Birla Sun Life Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 26

Duration	Returns
1 Month	-0.3%
3 Month	0.3%
6 Month	1.5%
1 Year	6.3%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	8.5%
2022	7.3%
2021	4.1%
2020	4%
2019	11.9%
2018	9.6%
2017	7%
2016	6.5%
2015	10.2%

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	4.73 Yr.

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

Asset Allocation

Asset Class	Value
Cash	2.97%
Debt	96.76%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	56.15%
Government	40.61%
Cash Equivalent	2.97%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	7%	₹2,223 Cr	222,236,200
6.68% Govt Stock 2040 Sovereign Bonds \| -	5%	₹1,607 Cr	165,500,000 ↑ 7,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,200 Cr	118,500
6.33% Govt Stock 2035 Sovereign Bonds \| -	4%	₹1,079 Cr	110,000,000 ↓ -12,090,500
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹1,055 Cr	104,519,400 ↓ -6,000,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	3%	₹798 Cr	80,000,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹592 Cr	59,000
Rec Limited Debentures \| -	2%	₹579 Cr	60,000
Bharti Telecom Limited Debentures \| -	2%	₹578 Cr	58,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹560 Cr	55,000

4. HDFC Credit Risk Debt Fund

(Erstwhile HDFC Corporate Debt Opportunities Fund)

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

Research Highlights for HDFC Credit Risk Debt Fund

Bottom quartile AUM (₹6,974 Cr).
Established history (11+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.40% (top quartile).
1M return: 0.18% (upper mid).
Sharpe: 1.63 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.10% (top quartile).
Modified duration: 2.46 yrs (upper mid).
Average maturity: 3.93 yrs (upper mid).
Exit load: 0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL).

Below is the key information for HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund Growth
Launch Date	25 Mar 14
NAV (29 Jan 26)	₹24.8841 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹6,974 on 31 Dec 25
Category	Debt - Credit Risk
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.51
Sharpe Ratio	1.63
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL)
Yield to Maturity	8.1%
Effective Maturity	3 Years 11 Months 5 Days
Modified Duration	2 Years 5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,698
31 Dec 22	₹11,095
31 Dec 23	₹11,829
31 Dec 24	₹12,798
31 Dec 25	₹13,820

HDFC Credit Risk Debt Fund SIP Returns

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

Returns for HDFC Credit Risk Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 26

Duration	Returns
1 Month	0.2%
3 Month	0.9%
6 Month	2.6%
1 Year	7.4%
3 Year	7.4%
5 Year	6.6%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	8.2%
2022	6.6%
2021	3.7%
2020	7%
2019	10.9%
2018	8.6%
2017	5.4%
2016	6.6%
2015	11%

Fund Manager information for HDFC Credit Risk Debt Fund

Name	Since	Tenure
Shobhit Mehrotra	25 Mar 14	11.78 Yr.
Dhruv Muchhal	22 Jun 23	2.53 Yr.

Data below for HDFC Credit Risk Debt Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	7.42%
Equity	4.15%
Debt	88.08%
Other	0.35%

Debt Sector Allocation

Sector	Value
Corporate	74.25%
Government	13.83%
Cash Equivalent	7.42%

Credit Quality

Rating	Value
A	13.7%
AA	58.51%
AAA	27.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
The Sandur Manganese And Iron Ores Limited Debentures \| -	4%	₹282 Cr	30,000
GMR Airports Limited Debentures \| -	4%	₹270 Cr	26,500
TATA Projects Limited Debentures \| -	4%	₹252 Cr	25,000
The Tata Power Company Limited Debentures \| -	3%	₹230 Cr	2,190
Jubilant Beverages Limited Debentures \| -	3%	₹205 Cr	19,190
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	3%	₹202 Cr	20,000
Kalpataru Projects International Limited Debentures \| -	3%	₹201 Cr	20,000
SK Finance Limited Debentures \| -	3%	₹201 Cr	20,000
Jubilant Bevco Limited Debentures \| -	3%	₹191 Cr	17,750
Kalpataru Projects International Limited Debentures \| -	3%	₹180 Cr	18,000

5. ICICI Prudential Corporate Bond Fund

(Erstwhile ICICI Prudential Ultra Short Term Plan)

ICICI Prudential Ultra Short Term Plan is an open-ended income fund that intends to generate regular income through investments in a basket of debt and money market instruments of very short maturities with a view to providing reasonable returns, while maintaining an optimum balance of safety, liquidity and yield. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for ICICI Prudential Corporate Bond Fund

Upper mid AUM (₹33,871 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.38% (upper mid).
1M return: 0.03% (lower mid).
Sharpe: 1.43 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (lower mid).
Modified duration: 2.92 yrs (lower mid).
Average maturity: 5.45 yrs (lower mid).
Exit load: NIL.

Below is the key information for ICICI Prudential Corporate Bond Fund

ICICI Prudential Corporate Bond Fund Growth
Launch Date	11 Aug 09
NAV (29 Jan 26)	₹30.808 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹33,871 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	1.43
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.02%
Effective Maturity	5 Years 5 Months 12 Days
Modified Duration	2 Years 11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,412
31 Dec 22	₹10,877
31 Dec 23	₹11,703
31 Dec 24	₹12,643
31 Dec 25	₹13,649

ICICI Prudential Corporate Bond Fund SIP Returns

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

Returns for ICICI Prudential 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 29 Jan 26

Duration	Returns
1 Month	0%
3 Month	0.9%
6 Month	2.3%
1 Year	7.4%
3 Year	7.7%
5 Year	6.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	8%
2022	7.6%
2021	4.5%
2020	4.1%
2019	10.4%
2018	9.9%
2017	6.4%
2016	6.3%
2015	9.8%

Fund Manager information for ICICI Prudential Corporate Bond Fund

Name	Since	Tenure
Manish Banthia	22 Jan 24	1.94 Yr.
Ritesh Lunawat	22 Jan 24	1.94 Yr.

Data below for ICICI Prudential Corporate Bond Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	22.47%
Debt	77.26%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	59.54%
Cash Equivalent	21.66%
Government	18.52%

Credit Quality

Rating	Value
AA	0.5%
AAA	99.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.82% Govt Stock 2033 Sovereign Bonds \| -	4%	₹1,479 Cr	143,282,560
LIC Housing Finance Ltd Debentures \| -	4%	₹1,469 Cr	145,500
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹1,006 Cr	1,000
6.48% Govt Stock 2035 Sovereign Bonds \| -	3%	₹949 Cr	95,741,500 ↑ 95,664,100
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹904 Cr	900
Pipeline Infrastructure Limited Debentures \| -	2%	₹827 Cr	80,500
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹757 Cr	73,594,780
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹582 Cr	58,412,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹546 Cr	54,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	2%	₹533 Cr	56,500,000

6. ICICI Prudential Savings Fund

(Erstwhile ICICI Prudential Flexible Income Plan)

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

Research Highlights for ICICI Prudential Savings Fund

Upper mid AUM (₹30,163 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.37% (upper mid).
1M return: 0.23% (upper mid).
Sharpe: 2.95 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.80% (bottom quartile).
Modified duration: 0.68 yrs (upper mid).
Average maturity: 1.26 yrs (upper mid).
Exit load: NIL.

Below is the key information for ICICI Prudential Savings Fund

ICICI Prudential Savings Fund Growth
Launch Date	27 Sep 02
NAV (29 Jan 26)	₹563.474 ↑ 0.02 (0.00 %)
Net Assets (Cr)	₹30,163 on 31 Dec 25
Category	Debt - Low Duration
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.53
Sharpe Ratio	2.95
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.8%
Effective Maturity	1 Year 3 Months 4 Days
Modified Duration	8 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,377
31 Dec 22	₹10,844
31 Dec 23	₹11,671
31 Dec 24	₹12,601
31 Dec 25	₹13,570

ICICI Prudential Savings Fund SIP Returns

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

Returns for ICICI Prudential Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 26

Duration	Returns
1 Month	0.2%
3 Month	1.3%
6 Month	2.8%
1 Year	7.4%
3 Year	7.7%
5 Year	6.3%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	8%
2022	7.6%
2021	4.5%
2020	3.8%
2019	8.6%
2018	8.8%
2017	7.3%
2016	7.1%
2015	9.1%

Fund Manager information for ICICI Prudential Savings Fund

Name	Since	Tenure
Nikhil Kabra	13 Sep 24	1.3 Yr.
Darshil Dedhia	12 Jun 23	2.56 Yr.

Data below for ICICI Prudential Savings Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	43.01%
Debt	56.75%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	65.55%
Cash Equivalent	24.13%
Government	10.08%

Credit Quality

Rating	Value
AA	13.9%
AAA	86.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,121 Cr	111,750
6.82% Govt Stock 2033 Sovereign Bonds \| -	3%	₹987 Cr	95,593,960 ↓ -62,500
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	3%	₹875 Cr	875
6.52% Govt Stock 2031 Sovereign Bonds \| -	2%	₹616 Cr	60,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹505 Cr	50,000
6.22% Govt Stock 2028 Sovereign Bonds \| -	2%	₹481 Cr	47,715,900
Small Industries Development Bank Of India Debentures \| -	1%	₹446 Cr	44,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹401 Cr	40,000
India (Republic of) - \| -	1%	₹399 Cr	40,000,000 ↑ 40,000,000
Bank of Baroda Debentures \| -	1%	₹391 Cr	8,000

ਇਕਮੁਸ਼ਤ ਡੈਬਟ ਮਿutਚੁਅਲ ਫੰਡ inਨਲਾਈਨ ਵਿੱਚ ਕਿਵੇਂ ਨਿਵੇਸ਼ ਕੀਤਾ ਜਾਵੇ

Fincash.com 'ਤੇ ਲਾਈਫਟਾਈਮ ਲਈ ਮੁਫਤ ਨਿਵੇਸ਼ ਖਾਤਾ ਖੋਲ੍ਹੋ.

ਆਪਣੀ ਰਜਿਸਟ੍ਰੇਸ਼ਨ ਅਤੇ ਕੇਵਾਈਸੀ ਪ੍ਰਕਿਰਿਆ ਨੂੰ ਪੂਰਾ ਕਰੋ

ਦਸਤਾਵੇਜ਼ ਅਪਲੋਡ ਕਰੋ (ਪੈਨ, ਆਧਾਰ, ਆਦਿ).ਅਤੇ, ਤੁਸੀਂ ਨਿਵੇਸ਼ ਲਈ ਤਿਆਰ ਹੋ!

ਅਰੰਭ ਕਰੋ

Disclaimer:
ਇੱਥੇ ਪ੍ਰਦਾਨ ਕੀਤੀ ਜਾਣਕਾਰੀ ਨੂੰ ਸਹੀ ਬਣਾਉਣ ਲਈ ਸਾਰੇ ਯਤਨ ਕੀਤੇ ਗਏ ਹਨ. ਹਾਲਾਂਕਿ, ਅੰਕੜਿਆਂ ਦੀ ਸ਼ੁੱਧਤਾ ਦੇ ਸੰਬੰਧ ਵਿੱਚ ਕੋਈ ਗਰੰਟੀ ਨਹੀਂ ਦਿੱਤੀ ਜਾਂਦੀ. ਕਿਰਪਾ ਕਰਕੇ ਕੋਈ ਵੀ ਨਿਵੇਸ਼ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ ਯੋਜਨਾ ਜਾਣਕਾਰੀ ਦਸਤਾਵੇਜ਼ ਨਾਲ ਜਾਂਚ ਕਰੋ.