ਤੁਹਾਡੇ ਇਕਮੁਸ਼ਤ ਨਿਵੇਸ਼ ਲਈ ਡੈਬਟ ਮਿutਚੁਅਲ ਫੰਡ

Updated on September 26, 2026 , 2927 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 (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹592.576 ↑ 0.21	₹18,819	1,000	1.7	3.5	6.4	7.2	7.4	7.42%	5M 19D	7M 13D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹119.104 ↓ -0.12	₹22,636	1,000	0.2	2.9	4.2	6.7	7.4	7.49%	4Y 4M 6D	7Y 6M 14D
HDFC Corporate Bond Fund Growth	₹34.2544 ↓ -0.04	₹30,286	5,000	0.1	2.7	3.9	6.6	7.3	7.61%	3Y 9M 22D	6Y 8M 26D
SBI Credit Risk Fund Growth	₹49.7185 ↓ -0.04	₹2,186	5,000	1.6	4.3	7.2	7.8	7.9	8.55%	2Y 1M 17D	2Y 9M 18D
HDFC Credit Risk Debt Fund Growth	₹26.0383 ↓ -0.02	₹7,666	5,000	1.3	3.8	6.5	7.5	8	8.76%	2Y 3M 7D	3Y 3M 18D
ICICI Prudential Savings Fund Growth	₹587.224 ↑ 0.17	₹21,047	500	1.5	3.3	6.2	7.3	7.7	7.37%	10M 17D	1Y 3M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Sep 26

Research Highlights & Commentary of 6 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	Aditya Birla Sun Life Corporate Bond Fund	HDFC Corporate Bond Fund	SBI Credit Risk Fund	HDFC Credit Risk Debt Fund	ICICI Prudential Savings Fund
Point 1	Lower mid AUM (₹18,819 Cr).	Upper mid AUM (₹22,636 Cr).	Highest AUM (₹30,286 Cr).	Bottom quartile AUM (₹2,186 Cr).	Bottom quartile AUM (₹7,666 Cr).	Upper mid AUM (₹21,047 Cr).
Point 2	Established history (23+ yrs).	Oldest track record among peers (29 yrs).	Established history (16+ yrs).	Established history (22+ yrs).	Established history (12+ yrs).	Established history (24+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 6.35% (upper mid).	1Y return: 4.23% (bottom quartile).	1Y return: 3.94% (bottom quartile).	1Y return: 7.18% (top quartile).	1Y return: 6.48% (upper mid).	1Y return: 6.22% (lower mid).
Point 6	1M return: 0.50% (top quartile).	1M return: -0.27% (bottom quartile).	1M return: -0.30% (bottom quartile).	1M return: 0.05% (upper mid).	1M return: 0.04% (lower mid).	1M return: 0.36% (upper mid).
Point 7	Sharpe: 1.00 (upper mid).	Sharpe: -0.12 (bottom quartile).	Sharpe: -0.23 (bottom quartile).	Sharpe: 1.34 (top quartile).	Sharpe: 0.88 (upper mid).	Sharpe: 0.79 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.42% (bottom quartile).	Yield to maturity (debt): 7.49% (lower mid).	Yield to maturity (debt): 7.61% (upper mid).	Yield to maturity (debt): 8.55% (upper mid).	Yield to maturity (debt): 8.76% (top quartile).	Yield to maturity (debt): 7.37% (bottom quartile).
Point 10	Modified duration: 0.47 yrs (top quartile).	Modified duration: 4.35 yrs (bottom quartile).	Modified duration: 3.81 yrs (bottom quartile).	Modified duration: 2.13 yrs (upper mid).	Modified duration: 2.27 yrs (lower mid).	Modified duration: 0.88 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹18,819 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.35% (upper mid).
1M return: 0.50% (top quartile).
Sharpe: 1.00 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.42% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹22,636 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 4.23% (bottom quartile).
1M return: -0.27% (bottom quartile).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.49% (lower mid).
Modified duration: 4.35 yrs (bottom quartile).

HDFC Corporate Bond Fund

Highest AUM (₹30,286 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 3.94% (bottom quartile).
1M return: -0.30% (bottom quartile).
Sharpe: -0.23 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.61% (upper mid).
Modified duration: 3.81 yrs (bottom quartile).

SBI Credit Risk Fund

Bottom quartile AUM (₹2,186 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.18% (top quartile).
1M return: 0.05% (upper mid).
Sharpe: 1.34 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.55% (upper mid).
Modified duration: 2.13 yrs (upper mid).

HDFC Credit Risk Debt Fund

Bottom quartile AUM (₹7,666 Cr).
Established history (12+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.48% (upper mid).
1M return: 0.04% (lower mid).
Sharpe: 0.88 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.76% (top quartile).
Modified duration: 2.27 yrs (lower mid).

ICICI Prudential Savings Fund

Upper mid AUM (₹21,047 Cr).
Established history (24+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.22% (lower mid).
1M return: 0.36% (upper mid).
Sharpe: 0.79 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.37% (bottom quartile).
Modified duration: 0.88 yrs (upper mid).

1. Aditya Birla Sun Life Savings Fund

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

Research Highlights for Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹18,819 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.35% (upper mid).
1M return: 0.50% (top quartile).
Sharpe: 1.00 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.42% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).
Average maturity: 0.62 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~40%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.7%).

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (28 Sep 26)	₹592.576 ↑ 0.21 (0.04 %)
Net Assets (Cr)	₹18,819 on 31 Aug 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	1
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.42%
Effective Maturity	7 Months 13 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,392
31 Aug 23	₹11,106
31 Aug 24	₹11,931
31 Aug 25	₹12,877
31 Aug 26	₹13,697

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 28 Sep 26

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	6.4%
3 Year	7.2%
5 Year	6.5%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.9%
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	12.21 Yr.
Kaustubh Gupta	15 Jul 11	15.14 Yr.
Monika Gandhi	22 Mar 21	5.45 Yr.

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

Asset Allocation

Asset Class	Value
Cash	39.91%
Debt	60.09%

Debt Sector Allocation

Sector	Value
Corporate	71.12%
Government	19.75%
Cash Equivalent	9.12%

Credit Quality

Rating	Value
AA	33.08%
AAA	66.92%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹850 Cr	85,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹739 Cr	15,300
Shriram Finance Limited Debentures \| -	3%	₹530 Cr	52,500
Vedanta Limited Debentures \| -	2%	₹450 Cr	44,500
Bharti Telecom Limited Debentures \| -	2%	₹397 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹324 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹320 Cr	32,000
Avanse Financial Services Limited Debentures \| -	2%	₹298 Cr	30,000
Adani Airport Holdings Limited Debentures \| -	2%	₹296 Cr	30,000
AU Small Finance Bank Ltd. Debentures \| -	2%	₹292 Cr	6,000

2. Aditya Birla Sun Life Corporate Bond Fund

(Erstwhile Aditya Birla Sun Life Short Term Fund)

An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities.

Research Highlights for Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹22,636 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 4.23% (bottom quartile).
1M return: -0.27% (bottom quartile).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.49% (lower mid).
Modified duration: 4.35 yrs (bottom quartile).
Average maturity: 7.54 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~90%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.94% Govt Stock 2036 (~7.1%).

Below is the key information for Aditya Birla Sun Life Corporate Bond Fund

Aditya Birla Sun Life Corporate Bond Fund Growth
Launch Date	3 Mar 97
NAV (28 Sep 26)	₹119.104 ↓ -0.12 (-0.10 %)
Net Assets (Cr)	₹22,636 on 31 Aug 26
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.51
Sharpe Ratio	-0.12
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.49%
Effective Maturity	7 Years 6 Months 14 Days
Modified Duration	4 Years 4 Months 6 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,321
31 Aug 23	₹11,032
31 Aug 24	₹11,920
31 Aug 25	₹12,840
31 Aug 26	₹13,510

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 28 Sep 26

Duration	Returns
1 Month	-0.3%
3 Month	0.2%
6 Month	2.9%
1 Year	4.2%
3 Year	6.7%
5 Year	6.1%
10 Year
15 Year
Since launch	8.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	8.5%
2023	7.3%
2022	4.1%
2021	4%
2020	11.9%
2019	9.6%
2018	7%
2017	6.5%
2016	10.2%

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	5.39 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	9.53%
Debt	90.47%

Debt Sector Allocation

Sector	Value
Corporate	63.39%
Government	30.52%
Cash Equivalent	6.09%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	7%	₹1,656 Cr	167,276,100 ↑ 14,000,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹1,170 Cr	117,500 ↑ 7,500
6.68% Govt Stock 2040 Sovereign Bonds \| -	3%	₹768 Cr	80,500,000 ↓ -59,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹689 Cr	69,500 ↑ 69,500
Bharti Telecom Limited Debentures \| -	3%	₹670 Cr	67,500
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹572 Cr	59,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹490 Cr	50,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹486 Cr	49,620 ↑ 10,000
Bharti Telecom Limited Debentures \| -	2%	₹412 Cr	41,400
Summit Digitel Infrastructure Limited Debentures \| -	2%	₹397 Cr	4,000

3. HDFC Corporate Bond Fund

(Erstwhile HDFC Medium Term Opportunities Fund)

To generate regular income through investments in Debt/ Money Market Instruments and Government Securities with maturities not exceeding 60 months.

Research Highlights for HDFC Corporate Bond Fund

Highest AUM (₹30,286 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 3.94% (bottom quartile).
1M return: -0.30% (bottom quartile).
Sharpe: -0.23 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.61% (upper mid).
Modified duration: 3.81 yrs (bottom quartile).
Average maturity: 6.74 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.9% Govt Stock 2065 (~4.0%).

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (28 Sep 26)	₹34.2544 ↓ -0.04 (-0.11 %)
Net Assets (Cr)	₹30,286 on 31 Aug 26
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	-0.23
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.61%
Effective Maturity	6 Years 8 Months 26 Days
Modified Duration	3 Years 9 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,277
31 Aug 23	₹10,974
31 Aug 24	₹11,847
31 Aug 25	₹12,775
31 Aug 26	₹13,401

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 28 Sep 26

Duration	Returns
1 Month	-0.3%
3 Month	0.1%
6 Month	2.7%
1 Year	3.9%
3 Year	6.6%
5 Year	5.9%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.3%
2024	8.6%
2023	7.2%
2022	3.3%
2021	3.9%
2020	11.8%
2019	10.3%
2018	6.5%
2017	6.5%
2016	10.6%

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	10.85 Yr.
Dhruv Muchhal	22 Jun 23	3.2 Yr.

Data below for HDFC Corporate Bond Fund as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	3.22%
Debt	96.43%
Other	0.35%

Debt Sector Allocation

Sector	Value
Corporate	64.63%
Government	31.78%
Cash Equivalent	3.24%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.9% Govt Stock 2065 Sovereign Bonds \| -	4%	₹1,194 Cr	133,000,000 ↓ -3,000,000
Bajaj Finance Limited Debentures \| -	4%	₹1,057 Cr	110,000
State Bank Of India Debentures \| -	3%	₹757 Cr	775
LIC Housing Finance Ltd Debentures \| -	2%	₹499 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	2%	₹499 Cr	50,000
HDFC Bank Limited Debentures \| -	2%	₹496 Cr	50,000
6.75% Govt Stock 2033 Sovereign Bonds \| -	2%	₹465 Cr	44,500,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹458 Cr	46,542
Rural Electrification Corporation Limited Debentures \| -	2%	₹457 Cr	4,500
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	1%	₹422 Cr	425

4. SBI Credit Risk Fund

(Erstwhile SBI Corporate Bond Fund)

The investment objective will be to actively manage a portfolio of good quality corporate debt as well as Money Market Instruments so as to provide reasonable returns and liquidity to the Unit holders. However there is no guarantee or assurance that the investment objective of the scheme will be achieved.

Research Highlights for SBI Credit Risk Fund

Bottom quartile AUM (₹2,186 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.18% (top quartile).
1M return: 0.05% (upper mid).
Sharpe: 1.34 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.55% (upper mid).
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 (28 Sep 26)	₹49.7185 ↓ -0.04 (-0.09 %)
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
31 Aug 21	₹10,000
31 Aug 22	₹10,363
31 Aug 23	₹11,188
31 Aug 24	₹12,056
31 Aug 25	₹13,038
31 Aug 26	₹14,058

SBI Credit Risk 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 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 28 Sep 26

Duration	Returns
1 Month	0.1%
3 Month	1.6%
6 Month	4.3%
1 Year	7.2%
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

5. HDFC Credit Risk Debt Fund

(Erstwhile HDFC Corporate Debt Opportunities Fund)

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

Research Highlights for HDFC Credit Risk Debt Fund

Bottom quartile AUM (₹7,666 Cr).
Established history (12+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.48% (upper mid).
1M return: 0.04% (lower mid).
Sharpe: 0.88 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.76% (top quartile).
Modified duration: 2.27 yrs (lower mid).
Average maturity: 3.30 yrs (lower mid).
Exit load: 0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL).
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~88%).
High-quality debt (AAA/AA ~98%).
Largest holding GMR Airports Limited (~4.8%).

Below is the key information for HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund Growth
Launch Date	25 Mar 14
NAV (28 Sep 26)	₹26.0383 ↓ -0.02 (-0.07 %)
Net Assets (Cr)	₹7,666 on 31 Aug 26
Category	Debt - Credit Risk
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.53
Sharpe Ratio	0.88
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	8.76%
Effective Maturity	3 Years 3 Months 18 Days
Modified Duration	2 Years 3 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,363
31 Aug 23	₹11,015
31 Aug 24	₹11,881
31 Aug 25	₹12,809
31 Aug 26	₹13,726

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 28 Sep 26

Duration	Returns
1 Month	0%
3 Month	1.3%
6 Month	3.8%
1 Year	6.5%
3 Year	7.5%
5 Year	6.4%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for HDFC Credit Risk Debt Fund

Name	Since	Tenure
Praveen Jain	7 Mar 26	0.48 Yr.
Dhruv Muchhal	22 Jun 23	3.19 Yr.
Bhavyesh Divecha	7 Mar 26	0.48 Yr.

Data below for HDFC Credit Risk Debt Fund as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	4.28%
Equity	6.38%
Debt	87.73%
Other	1.61%

Debt Sector Allocation

Sector	Value
Corporate	75%
Government	12.73%
Cash Equivalent	4.28%

Credit Quality

Rating	Value
A	2.26%
AA	69.75%
AAA	27.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
GMR Airports Limited Debentures \| -	5%	₹371 Cr	35,000
Nirma Limited Debentures \| -	4%	₹301 Cr	30,000
Indus Infra Trust Unit (Financial Services) Equity, Since 29 Feb 24 \| 544137	3%	₹251 Cr	18,951,606
Triumph Composites Private Limited Debentures \| -	3%	₹239 Cr	24,000
Jubilant Beverages Limited Debentures \| -	3%	₹214 Cr	19,190
Aditya Birla Renewables Limited Debentures \| -	3%	₹210 Cr	21,000
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	3%	₹201 Cr	20,000
Kalpataru Projects International Limited Debentures \| -	3%	₹200 Cr	20,000
Jubilant Bevco Limited Debentures \| -	3%	₹199 Cr	17,750
8.28% Tamilnadu SDL 2028 Sovereign Bonds \| -	2%	₹179 Cr	17,500,000 ↑ 17,500,000

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 (₹21,047 Cr).
Established history (24+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.22% (lower mid).
1M return: 0.36% (upper mid).
Sharpe: 0.79 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.37% (bottom quartile).
Modified duration: 0.88 yrs (upper mid).
Average maturity: 1.30 yrs (upper mid).
Exit load: NIL.
Top sector: Basic Materials.
Top bond sector: Corporate.
Conservative stance with elevated cash (~35%).
High-quality debt (AAA/AA ~100%).
Largest holding RADHAKRISHNA SECURITISATION TRUST (~4.3%).

Below is the key information for ICICI Prudential Savings Fund

ICICI Prudential Savings Fund Growth
Launch Date	27 Sep 02
NAV (28 Sep 26)	₹587.224 ↑ 0.17 (0.03 %)
Net Assets (Cr)	₹21,047 on 31 Aug 26
Category	Debt - Low Duration
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.53
Sharpe Ratio	0.79
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.37%
Effective Maturity	1 Year 3 Months 18 Days
Modified Duration	10 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,315
31 Aug 23	₹11,093
31 Aug 24	₹11,944
31 Aug 25	₹12,902
31 Aug 26	₹13,724

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 28 Sep 26

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3.3%
1 Year	6.2%
3 Year	7.3%
5 Year	6.5%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for ICICI Prudential Savings Fund

Name	Since	Tenure
Nikhil Kabra	13 Sep 24	1.97 Yr.
Darshil Dedhia	12 Jun 23	3.22 Yr.

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

Asset Allocation

Asset Class	Value
Cash	35.46%
Debt	64.11%
Other	0.43%

Debt Sector Allocation

Sector	Value
Corporate	75.77%
Government	12.04%
Cash Equivalent	11.75%

Credit Quality

Rating	Value
AA	15.12%
AAA	84.88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	4%	₹862 Cr	875
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹628 Cr	63,000
6.64% Govt Stock 2031 Sovereign Bonds \| -	3%	₹623 Cr	60,500,000
7.33% Karnataka Sgs 2033 Sovereign Bonds \| -	2%	₹494 Cr	50,000,000
Rec Limited Debentures \| -	2%	₹426 Cr	42,500
Bajaj Housing Finance Limited Debentures \| -	2%	₹420 Cr	42,500
Bank of India Ltd. Debentures \| -	2%	₹413 Cr	8,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹394 Cr	39,500 ↑ 7,500
India (Republic of) - \| -	2%	₹353 Cr	35,500,000
Piramal Finance Limited Debentures \| -	2%	₹336 Cr	33,500

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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.