முதலீடு செய்ய முதல் 10 சிறந்த நேரடி மியூச்சுவல் ஃபண்டுகள்

Updated on August 8, 2026 , 21645 views

மியூச்சுவல் ஃபண்ட் திட்டங்கள், இரண்டு திட்டங்களை வழங்குகின்றன- வழக்கமான மற்றும் நேரடி. பெரும்பாலான முதலீட்டாளர்கள்முதலீடு உள்ளேபரஸ்பர நிதி வழக்கமாக வழக்கமான நிதிகளை விரும்புகின்றனர், இருப்பினும், புதிய முதலீட்டாளர்களிடையே நேரடி நிதிகளுக்கான வட்டி தேவையை அதிகரிக்கச் செய்துள்ளது. சாவிகாரணி இந்த இரண்டு திட்டங்களுக்கும் இடையே உள்ள வேறுபாடுகள் செலவு விகிதம் ஆகும், வழக்கமான திட்டத்துடன் ஒப்பிடும்போது நேரடித் திட்டத்தின் செலவு விகிதம் குறைவாக உள்ளது.

நேரடித் திட்டங்கள் தனித் திட்டங்கள் அல்ல, ஆனால் அவை குறைந்த செலவு விகிதத்துடன் வழக்கமான திட்டத்தின் மாறுபாடு ஆகும். எனவே, ஒருமுதலீட்டாளர் மியூச்சுவல் ஃபண்டில் முதலீடு செய்ய விரும்புபவர்கள் வழக்கமான திட்டம் அல்லது நேரடித் திட்டத்தைத் தேர்வு செய்யலாம். வெறுமனே, சுதந்திரமாக முடியும் ஒரு முதலீட்டாளர்மியூச்சுவல் ஃபண்டுகளில் முதலீடு செய்யுங்கள் ஆலோசகரின் உதவியை நாடாமல் நேரடி திட்டங்களில் முதலீடு செய்யலாம்.

முதலீடு செய்ய சிறந்த நேரடி பரஸ்பர நிதிகள் சிலவற்றுடன் நேரடி நிதி முதலீடுகள் பற்றி மேலும் அறிந்து கொள்வோம்.

நேரடி மியூச்சுவல் ஃபண்ட் முதலீடு என்றால் என்ன?

குறிப்பிட்ட எண்ணிக்கையிலான சேனல்கள் மூலம் நேரடி நிதி கிடைக்கிறது. ஒரு முதலீட்டாளர் முக்கியமாக ஃபண்ட் ஹவுஸ் மூலமாக முதலீடு செய்யலாம், மிகச் சில மூன்றாம் தரப்புப் பத்திரங்களின் இடைத்தரகர்கள், ஆர்.டி.ஏ.கேம்ஸ்/கார்வி, மற்றும் ஃபண்ட் ஹவுஸின் அங்கீகரிக்கப்பட்ட உள்ளூர் பிரதிநிதிகள். பெரும்பாலும், நேரடி பரஸ்பர நிதி முதலீடுகளில், இல்லைஅர்ன் (விண்ணப்பம்குறிப்பு எண்) முதலீட்டாளரின் விண்ணப்பத்தில் மேற்கோள் காட்டப்பட்டுள்ளது. எனவே, முதலீட்டாளர்களுக்கு வழங்கப்படும் கமிஷன் மிகவும் குறைவாகவோ அல்லது சில நேரங்களில் பூஜ்யமாகவோ இருக்கும். இது வாடிக்கையாளர்களைப் பெறுவதற்கான செலவைக் குறைக்கிறதுAMC.

செலவு விகிதத்தைத் தவிர, ஃபண்ட் ஹவுஸ் கட்டணம் வசூலிக்காத நேரடித் திட்டங்களும் ஆகும்விநியோகஸ்தர் செலவுகள்/பரிவர்த்தனை கட்டணம்/டிரெயில் கட்டணம். நிகர சொத்து மதிப்பு (இல்லை) வழக்கமான பரஸ்பர நிதித் திட்டத்துடன் ஒப்பிடும்போது மியூச்சுவல் ஃபண்ட்-நேரடித் திட்டம் அதிகமாக இருக்கலாம்.

நேரடித் திட்டத்தின் செலவு விகிதம் குறைவாக இருப்பதால், வழக்கமான திட்டங்களுடன் ஒப்பிடுகையில் முதலீட்டாளர்கள் அதிக வருமானத்தைப் பெறுவார்கள் என்று கூறப்படுகிறது. ஃபண்ட் ஹவுஸ் செலவு விகிதத்தைப் பொறுத்து, சுமார் 0.5 சதவீதம் முதல் 1.5 சதவீதம் வரை வருமானம் அதிகமாக இருக்கும். எனவே, செலவு விகிதத்தை குறைப்பதன் மூலம் தங்கள் வருமானத்தை அதிகரிக்க விரும்பும் முதலீட்டாளர்கள் நேரடி பரஸ்பர நிதி திட்டங்களில் முதலீடு செய்யலாம்.

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இந்தியாவில் முதலீடு செய்ய சிறந்த நேரடி மியூச்சுவல் ஃபண்டுகள்

முதலீடு செய்யும் போது நீங்கள் கருத்தில் கொள்ளக்கூடிய சில சிறந்த நேரடி மியூச்சுவல் ஃபண்ட் திட்டங்கள், ஆன்-ஈக்விட்டி & ஹைப்ரிட் 3 வருட வருமானம், 1 வருட வருமானத்தில் கடன்.

சிறந்த நேரடி மியூச்சுவல் ஃபண்ட் திட்டங்கள்- ஈக்விட்டி வகை

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Franklin India Opportunities Fund - Direct Growth	₹297.992 ↓ -0.60	₹9,192	4.9	6.2	8.3	23.1	19.8	4.4
Franklin India Feeder - Franklin U S Opportunities Fund - Direct Growth	₹106.06 ↑ 1.38	₹6,081	5.1	18.2	19.7	22.6	10.7	12.4
Franklin Asian Equity Fund - Direct Growth	₹49.0865 ↑ 0.28	₹979	3	15.1	42.9	21.2	8.6	24.7
Franklin Build India Fund - Direct Growth	₹168.878 ↑ 0.09	₹3,256	-1.9	-1.6	5.6	20.2	21.2	4.8
IDBI Small Cap Fund - Direct Growth	₹39.1125 ↑ 0.14	₹743	6.7	18.6	19.4	19.7	19.3	-12.1
Sundaram SMILE Fund - Direct Growth	₹332.677 ↑ 0.03	₹3,872	6.5	13.3	20.1	19.2	18.5	1.5
DSP Micro Cap Fund - Direct Growth	₹251.001 ↑ 0.18	₹19,635	8.6	14.9	19.5	18.5	19	-1.9
Franklin India Prima Fund - Direct Growth	₹3,270.63 ↑ 7.29	₹12,490	5.4	4.4	8.9	18.5	15.9	2.4
Edelweiss Economic Resurgence Fund - Direct Growth	₹46.773 ↑ 0.16	₹3,484	3.4	0.7	9.7	16.8	14.8	7
Franklin India Smaller Companies Fund - Direct Growth	₹207.145 ↑ 1.04	₹14,336	3.7	9.8	10.4	15.9	18.3	-7.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Aug 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin India Opportunities Fund - Direct	Franklin India Feeder - Franklin U S Opportunities Fund - Direct	Franklin Asian Equity Fund - Direct	Franklin Build India Fund - Direct	IDBI Small Cap Fund - Direct	Sundaram SMILE Fund - Direct	DSP Micro Cap Fund - Direct	Franklin India Prima Fund - Direct	Edelweiss Economic Resurgence Fund - Direct	Franklin India Smaller Companies Fund - Direct
Point 1	Upper mid AUM (₹9,192 Cr).	Upper mid AUM (₹6,081 Cr).	Bottom quartile AUM (₹979 Cr).	Bottom quartile AUM (₹3,256 Cr).	Bottom quartile AUM (₹743 Cr).	Lower mid AUM (₹3,872 Cr).	Highest AUM (₹19,635 Cr).	Upper mid AUM (₹12,490 Cr).	Lower mid AUM (₹3,484 Cr).	Top quartile AUM (₹14,336 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (9+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 19.85% (top quartile).	5Y return: 10.70% (bottom quartile).	5Y return: 8.63% (bottom quartile).	5Y return: 21.19% (top quartile).	5Y return: 19.34% (upper mid).	5Y return: 18.49% (upper mid).	5Y return: 18.95% (upper mid).	5Y return: 15.92% (lower mid).	5Y return: 14.83% (bottom quartile).	5Y return: 18.26% (lower mid).
Point 6	3Y return: 23.11% (top quartile).	3Y return: 22.61% (top quartile).	3Y return: 21.21% (upper mid).	3Y return: 20.21% (upper mid).	3Y return: 19.69% (upper mid).	3Y return: 19.17% (lower mid).	3Y return: 18.50% (lower mid).	3Y return: 18.47% (bottom quartile).	3Y return: 16.77% (bottom quartile).	3Y return: 15.86% (bottom quartile).
Point 7	1Y return: 8.28% (bottom quartile).	1Y return: 19.66% (upper mid).	1Y return: 42.93% (top quartile).	1Y return: 5.63% (bottom quartile).	1Y return: 19.40% (upper mid).	1Y return: 20.11% (top quartile).	1Y return: 19.50% (upper mid).	1Y return: 8.86% (bottom quartile).	1Y return: 9.66% (lower mid).	1Y return: 10.40% (lower mid).
Point 8	Alpha: 5.47 (upper mid).	Alpha: -2.87 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (lower mid).	Alpha: 10.57 (top quartile).	Alpha: 9.99 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: -6.08 (bottom quartile).	Alpha: 1.58 (upper mid).	Alpha: 0.26 (upper mid).
Point 9	Sharpe: 0.00 (lower mid).	Sharpe: 1.09 (top quartile).	Sharpe: 1.58 (top quartile).	Sharpe: 0.01 (lower mid).	Sharpe: 0.32 (upper mid).	Sharpe: 0.30 (upper mid).	Sharpe: 0.23 (upper mid).	Sharpe: -0.31 (bottom quartile).	Sharpe: -0.22 (bottom quartile).	Sharpe: -0.11 (bottom quartile).
Point 10	Information ratio: 1.70 (top quartile).	Information ratio: -0.96 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: -0.02 (lower mid).	Information ratio: 0.04 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: -0.44 (bottom quartile).	Information ratio: 1.08 (top quartile).	Information ratio: -0.48 (bottom quartile).

Franklin India Opportunities Fund - Direct

Upper mid AUM (₹9,192 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.85% (top quartile).
3Y return: 23.11% (top quartile).
1Y return: 8.28% (bottom quartile).
Alpha: 5.47 (upper mid).
Sharpe: 0.00 (lower mid).
Information ratio: 1.70 (top quartile).

Franklin India Feeder - Franklin U S Opportunities Fund - Direct

Upper mid AUM (₹6,081 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: High.
5Y return: 10.70% (bottom quartile).
3Y return: 22.61% (top quartile).
1Y return: 19.66% (upper mid).
Alpha: -2.87 (bottom quartile).
Sharpe: 1.09 (top quartile).
Information ratio: -0.96 (bottom quartile).

Franklin Asian Equity Fund - Direct

Bottom quartile AUM (₹979 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: High.
5Y return: 8.63% (bottom quartile).
3Y return: 21.21% (upper mid).
1Y return: 42.93% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.58 (top quartile).
Information ratio: 0.00 (upper mid).

Franklin Build India Fund - Direct

Bottom quartile AUM (₹3,256 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: High.
5Y return: 21.19% (top quartile).
3Y return: 20.21% (upper mid).
1Y return: 5.63% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.01 (lower mid).
Information ratio: 0.00 (upper mid).

IDBI Small Cap Fund - Direct

Bottom quartile AUM (₹743 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.34% (upper mid).
3Y return: 19.69% (upper mid).
1Y return: 19.40% (upper mid).
Alpha: 10.57 (top quartile).
Sharpe: 0.32 (upper mid).
Information ratio: -0.02 (lower mid).

Sundaram SMILE Fund - Direct

Lower mid AUM (₹3,872 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.49% (upper mid).
3Y return: 19.17% (lower mid).
1Y return: 20.11% (top quartile).
Alpha: 9.99 (top quartile).
Sharpe: 0.30 (upper mid).
Information ratio: 0.04 (upper mid).

DSP Micro Cap Fund - Direct

Highest AUM (₹19,635 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.95% (upper mid).
3Y return: 18.50% (lower mid).
1Y return: 19.50% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.23 (upper mid).
Information ratio: 0.00 (lower mid).

Franklin India Prima Fund - Direct

Upper mid AUM (₹12,490 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.92% (lower mid).
3Y return: 18.47% (bottom quartile).
1Y return: 8.86% (bottom quartile).
Alpha: -6.08 (bottom quartile).
Sharpe: -0.31 (bottom quartile).
Information ratio: -0.44 (bottom quartile).

Edelweiss Economic Resurgence Fund - Direct

Lower mid AUM (₹3,484 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 14.83% (bottom quartile).
3Y return: 16.77% (bottom quartile).
1Y return: 9.66% (lower mid).
Alpha: 1.58 (upper mid).
Sharpe: -0.22 (bottom quartile).
Information ratio: 1.08 (top quartile).

Franklin India Smaller Companies Fund - Direct

Top quartile AUM (₹14,336 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.26% (lower mid).
3Y return: 15.86% (bottom quartile).
1Y return: 10.40% (lower mid).
Alpha: 0.26 (upper mid).
Sharpe: -0.11 (bottom quartile).
Information ratio: -0.48 (bottom quartile).

சிறந்த நேரடி மியூச்சுவல் ஃபண்ட் திட்டங்கள்- கடன் வகை

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Edelweiss Bond Fund - Direct Growth	₹33.6891 ↑ 0.02	₹2,272	1.9	3.4	6.5	7.3	6.4	7.6
Edelweiss Liquid Fund - Direct Growth	₹3,652.35 ↑ 0.76	₹12,259	1.7	3.4	6.5	7	6.3	6.6
Franklin India Treasury Management Account - Regular Plan - Direct Growth	₹4,247.77 ↑ 0.93	₹2,915	1.8	3.4	6.5	7	6.3	6.7
UTI Money Market Fund - Direct Growth	₹3,354.8 ↑ 2.43	₹17,557	1.9	3.4	6.5	7.4	6.7	7.6
UTI Liquid Cash Plan - Direct Growth	₹463.205 ↑ 0.10	₹27,632	1.7	3.4	6.5	7	6.3	6.6
Franklin India Savings Plus Fund Retail Option - Direct Growth	₹55.7174 ↑ 0.04	₹3,920	1.9	3.4	6.5	7.4	6.6	7.6
Franklin India Banking And PSU Debt Fund - Direct Growth	₹25.2101 ↑ 0.02	₹584	2.1	3.4	6.5	7.6	6.5	8.3
Mahindra Liquid Fund - Direct Growth	₹1,840.12 ↑ 0.44	₹1,019	1.7	3.4	6.5	7	6.3	6.6
HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth	₹54.8112 ↑ 0.04	₹16,452	2.2	3.5	6.4	7.8	7	8.1
UTI Treasury Advantage Fund - Direct Growth	₹3,867.74 ↑ 2.63	₹2,460	1.9	3.3	6.3	7.3	7.5	7.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Aug 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Edelweiss Bond Fund - Direct	Edelweiss Liquid Fund - Direct	Franklin India Treasury Management Account - Regular Plan - Direct	UTI Money Market Fund - Direct	UTI Liquid Cash Plan - Direct	Franklin India Savings Plus Fund Retail Option - Direct	Franklin India Banking And PSU Debt Fund - Direct	Mahindra Liquid Fund - Direct	HDFC Floating Rate Income Fund - Short Term Plan - Direct	UTI Treasury Advantage Fund - Direct
Point 1	Bottom quartile AUM (₹2,272 Cr).	Upper mid AUM (₹12,259 Cr).	Lower mid AUM (₹2,915 Cr).	Top quartile AUM (₹17,557 Cr).	Highest AUM (₹27,632 Cr).	Upper mid AUM (₹3,920 Cr).	Bottom quartile AUM (₹584 Cr).	Bottom quartile AUM (₹1,019 Cr).	Upper mid AUM (₹16,452 Cr).	Lower mid AUM (₹2,460 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (12+ yrs).	Established history (10+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 6.50% (top quartile).	1Y return: 6.49% (top quartile).	1Y return: 6.48% (upper mid).	1Y return: 6.48% (upper mid).	1Y return: 6.48% (upper mid).	1Y return: 6.47% (lower mid).	1Y return: 6.47% (lower mid).	1Y return: 6.46% (bottom quartile).	1Y return: 6.44% (bottom quartile).	1Y return: 6.35% (bottom quartile).
Point 6	1M return: 0.62% (upper mid).	1M return: 0.54% (bottom quartile).	1M return: 0.55% (bottom quartile).	1M return: 0.63% (top quartile).	1M return: 0.54% (bottom quartile).	1M return: 0.63% (upper mid).	1M return: 0.70% (top quartile).	1M return: 0.55% (lower mid).	1M return: 0.55% (lower mid).	1M return: 0.60% (upper mid).
Point 7	Sharpe: 0.97 (upper mid).	Sharpe: 2.64 (upper mid).	Sharpe: 2.74 (top quartile).	Sharpe: 0.92 (lower mid).	Sharpe: 2.73 (top quartile).	Sharpe: 0.95 (lower mid).	Sharpe: 0.48 (bottom quartile).	Sharpe: 2.67 (upper mid).	Sharpe: 0.63 (bottom quartile).	Sharpe: 0.72 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.68% (upper mid).	Yield to maturity (debt): 6.51% (bottom quartile).	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 7.58% (upper mid).	Yield to maturity (debt): 6.62% (bottom quartile).	Yield to maturity (debt): 7.76% (top quartile).	Yield to maturity (debt): 7.50% (lower mid).	Yield to maturity (debt): 6.85% (lower mid).	Yield to maturity (debt): 7.64% (upper mid).	Yield to maturity (debt): 7.77% (top quartile).
Point 10	Modified duration: 0.58 yrs (lower mid).	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.56 yrs (lower mid).	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.41 yrs (upper mid).	Modified duration: 1.19 yrs (bottom quartile).	Modified duration: 0.13 yrs (upper mid).	Modified duration: 1.74 yrs (bottom quartile).	Modified duration: 0.69 yrs (bottom quartile).

Edelweiss Bond Fund - Direct

Bottom quartile AUM (₹2,272 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.50% (top quartile).
1M return: 0.62% (upper mid).
Sharpe: 0.97 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.68% (upper mid).
Modified duration: 0.58 yrs (lower mid).

Edelweiss Liquid Fund - Direct

Upper mid AUM (₹12,259 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.49% (top quartile).
1M return: 0.54% (bottom quartile).
Sharpe: 2.64 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.51% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).

Franklin India Treasury Management Account - Regular Plan - Direct

Lower mid AUM (₹2,915 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.48% (upper mid).
1M return: 0.55% (bottom quartile).
Sharpe: 2.74 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.10 yrs (upper mid).

UTI Money Market Fund - Direct

Top quartile AUM (₹17,557 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.48% (upper mid).
1M return: 0.63% (top quartile).
Sharpe: 0.92 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.58% (upper mid).
Modified duration: 0.56 yrs (lower mid).

UTI Liquid Cash Plan - Direct

Highest AUM (₹27,632 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.48% (upper mid).
1M return: 0.54% (bottom quartile).
Sharpe: 2.73 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.62% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).

Franklin India Savings Plus Fund Retail Option - Direct

Upper mid AUM (₹3,920 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.47% (lower mid).
1M return: 0.63% (upper mid).
Sharpe: 0.95 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.76% (top quartile).
Modified duration: 0.41 yrs (upper mid).

Franklin India Banking And PSU Debt Fund - Direct

Bottom quartile AUM (₹584 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.47% (lower mid).
1M return: 0.70% (top quartile).
Sharpe: 0.48 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.50% (lower mid).
Modified duration: 1.19 yrs (bottom quartile).

Mahindra Liquid Fund - Direct

Bottom quartile AUM (₹1,019 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.46% (bottom quartile).
1M return: 0.55% (lower mid).
Sharpe: 2.67 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.85% (lower mid).
Modified duration: 0.13 yrs (upper mid).

HDFC Floating Rate Income Fund - Short Term Plan - Direct

Upper mid AUM (₹16,452 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.44% (bottom quartile).
1M return: 0.55% (lower mid).
Sharpe: 0.63 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.64% (upper mid).
Modified duration: 1.74 yrs (bottom quartile).

UTI Treasury Advantage Fund - Direct

Lower mid AUM (₹2,460 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.35% (bottom quartile).
1M return: 0.60% (upper mid).
Sharpe: 0.72 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.77% (top quartile).
Modified duration: 0.69 yrs (bottom quartile).

சிறந்த நேரடி மியூச்சுவல் ஃபண்ட் திட்டங்கள்- ஹைப்ரிட் வகை

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
UTI Wealth Builder Fund - Direct Growth	₹90.4215 ↑ 0.19	₹6,890	3.3	0.8	11.4	17.7	14.7	12.4
JM Balanced Fund - Direct Growth	₹141.803 ↑ 0.51	₹692	4.6	3	5.7	15.2	15	-1.6
Edelweiss Prudent Advantage Fund - Direct Growth	₹77.42 ↑ 0.02	₹3,784	3.8	2.5	7.9	15.1	15	7.6
Axis Dynamic Equity Fund - Direct Growth	₹24.61 ↑ 0.03	₹3,814	3.1	1.4	7	13.3	11	8.2
BNP Paribas Balanced Fund - Direct Growth	₹33.2114 ↑ 0.17	₹1,246	2.3	1.4	6	12.8	11.8	5.3
UTI Balanced Fund - Direct Growth	₹448.809 ↑ 0.65	₹6,648	2.8	-0.7	5.4	12.5	12.7	7.1
Franklin India Balanced Fund - Direct Growth	₹314.409 ↑ 0.33	₹2,340	2.8	-0.4	3.4	11.8	11.1	4.7
Edelweiss Equity Savings Advantage Fund - Direct Growth	₹30.4505 ↑ 0.06	₹1,444	3.5	4.5	9.6	11.7	10.1	9
UTI SPREAD Fund - Direct Growth	₹40.022 ↑ 0.02	₹11,324	1.7	3.2	6.6	7.5	6.6	7.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Aug 26

Research Highlights & Commentary of 9 Funds showcased

Commentary	UTI Wealth Builder Fund - Direct	JM Balanced Fund - Direct	Edelweiss Prudent Advantage Fund - Direct	Axis Dynamic Equity Fund - Direct	BNP Paribas Balanced Fund - Direct	UTI Balanced Fund - Direct	Franklin India Balanced Fund - Direct	Edelweiss Equity Savings Advantage Fund - Direct	UTI SPREAD Fund - Direct
Point 1	Top quartile AUM (₹6,890 Cr).	Bottom quartile AUM (₹692 Cr).	Lower mid AUM (₹3,784 Cr).	Upper mid AUM (₹3,814 Cr).	Bottom quartile AUM (₹1,246 Cr).	Upper mid AUM (₹6,648 Cr).	Lower mid AUM (₹2,340 Cr).	Bottom quartile AUM (₹1,444 Cr).	Highest AUM (₹11,324 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (9+ yrs).	Established history (9+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately Low.
Point 5	5Y return: 14.75% (upper mid).	5Y return: 14.99% (top quartile).	5Y return: 14.98% (top quartile).	5Y return: 10.96% (bottom quartile).	5Y return: 11.76% (lower mid).	5Y return: 12.68% (upper mid).	5Y return: 11.10% (lower mid).	5Y return: 10.11% (bottom quartile).	5Y return: 6.64% (bottom quartile).
Point 6	3Y return: 17.66% (top quartile).	3Y return: 15.20% (top quartile).	3Y return: 15.10% (upper mid).	3Y return: 13.30% (upper mid).	3Y return: 12.82% (lower mid).	3Y return: 12.53% (lower mid).	3Y return: 11.84% (bottom quartile).	3Y return: 11.72% (bottom quartile).	3Y return: 7.46% (bottom quartile).
Point 7	1Y return: 11.35% (top quartile).	1Y return: 5.74% (bottom quartile).	1Y return: 7.89% (upper mid).	1Y return: 7.00% (upper mid).	1Y return: 5.99% (lower mid).	1Y return: 5.38% (bottom quartile).	1Y return: 3.41% (bottom quartile).	1Y return: 9.55% (top quartile).	1Y return: 6.57% (lower mid).
Point 8	1M return: 2.79% (top quartile).	1M return: 3.72% (top quartile).	1M return: 2.42% (upper mid).	1M return: 1.40% (lower mid).	1M return: 2.20% (upper mid).	1M return: 1.25% (bottom quartile).	1M return: 1.07% (bottom quartile).	1M return: 1.29% (lower mid).	1M return: 0.56% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: -3.70 (bottom quartile).	Alpha: 1.13 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.53 (top quartile).	Alpha: -0.72 (bottom quartile).	Alpha: -2.07 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (lower mid).
Point 10	Sharpe: -0.02 (upper mid).	Sharpe: -0.65 (bottom quartile).	Sharpe: -0.31 (upper mid).	Sharpe: -0.31 (lower mid).	Sharpe: -0.35 (lower mid).	Sharpe: -0.45 (bottom quartile).	Sharpe: -0.57 (bottom quartile).	Sharpe: 0.40 (top quartile).	Sharpe: 1.09 (top quartile).

UTI Wealth Builder Fund - Direct

Top quartile AUM (₹6,890 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.75% (upper mid).
3Y return: 17.66% (top quartile).
1Y return: 11.35% (top quartile).
1M return: 2.79% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.02 (upper mid).

JM Balanced Fund - Direct

Bottom quartile AUM (₹692 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.99% (top quartile).
3Y return: 15.20% (top quartile).
1Y return: 5.74% (bottom quartile).
1M return: 3.72% (top quartile).
Alpha: -3.70 (bottom quartile).
Sharpe: -0.65 (bottom quartile).

Edelweiss Prudent Advantage Fund - Direct

Lower mid AUM (₹3,784 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.98% (top quartile).
3Y return: 15.10% (upper mid).
1Y return: 7.89% (upper mid).
1M return: 2.42% (upper mid).
Alpha: 1.13 (top quartile).
Sharpe: -0.31 (upper mid).

Axis Dynamic Equity Fund - Direct

Upper mid AUM (₹3,814 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.96% (bottom quartile).
3Y return: 13.30% (upper mid).
1Y return: 7.00% (upper mid).
1M return: 1.40% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.31 (lower mid).

BNP Paribas Balanced Fund - Direct

Bottom quartile AUM (₹1,246 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.76% (lower mid).
3Y return: 12.82% (lower mid).
1Y return: 5.99% (lower mid).
1M return: 2.20% (upper mid).
Alpha: 0.53 (top quartile).
Sharpe: -0.35 (lower mid).

UTI Balanced Fund - Direct

Upper mid AUM (₹6,648 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 12.68% (upper mid).
3Y return: 12.53% (lower mid).
1Y return: 5.38% (bottom quartile).
1M return: 1.25% (bottom quartile).
Alpha: -0.72 (bottom quartile).
Sharpe: -0.45 (bottom quartile).

Franklin India Balanced Fund - Direct

Lower mid AUM (₹2,340 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.10% (lower mid).
3Y return: 11.84% (bottom quartile).
1Y return: 3.41% (bottom quartile).
1M return: 1.07% (bottom quartile).
Alpha: -2.07 (bottom quartile).
Sharpe: -0.57 (bottom quartile).

Edelweiss Equity Savings Advantage Fund - Direct

Bottom quartile AUM (₹1,444 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.11% (bottom quartile).
3Y return: 11.72% (bottom quartile).
1Y return: 9.55% (top quartile).
1M return: 1.29% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.40 (top quartile).

UTI SPREAD Fund - Direct

Highest AUM (₹11,324 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
5Y return: 6.64% (bottom quartile).
3Y return: 7.46% (bottom quartile).
1Y return: 6.57% (lower mid).
1M return: 0.56% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.09 (top quartile).

Disclaimer:
இங்கு வழங்கப்பட்ட தகவல்கள் துல்லியமானவை என்பதை உறுதிப்படுத்த அனைத்து முயற்சிகளும் மேற்கொள்ளப்பட்டுள்ளன. இருப்பினும், தரவின் சரியான தன்மை குறித்து எந்த உத்தரவாதமும் அளிக்கப்படவில்லை. முதலீடு செய்வதற்கு முன் திட்டத் தகவல் ஆவணத்துடன் சரிபார்க்கவும்.