మ్యూచువల్ ఫండ్ రెగ్యులర్ మరియు డైరెక్ట్ అనే రెండు ప్రణాళికలను అందిస్తుంది. రెగ్యులర్ ప్లాన్స్ చాలా సంవత్సరాలుగా ఆప్షన్లో ఉన్నప్పటికీ, మొదటి డైరెక్ట్ ప్లాన్ 2013 సంవత్సరంలో ప్రవేశపెట్టబడింది. అయితే, ప్రత్యక్ష ప్రణాళికలు దాని ప్రత్యేక లక్షణాలు మరియు ప్రయోజనాల కారణంగా కొత్త పెట్టుబడిదారులలో భారీ ఆదరణ పొందుతున్నాయి. అయినప్పటికీ, ప్రస్తుతం ప్రత్యక్ష ప్రణాళికలు పరిమిత వేదిక ద్వారా మాత్రమే అందుబాటులో ఉన్నాయి, కానీ దాని డిమాండ్ను చూస్తే, చాలా ఛానెల్లు ప్రత్యక్ష ప్రణాళికలను ప్రవేశపెడుతున్నాయి. పెట్టుబడి పెట్టాలనుకునే పెట్టుబడిదారులుడెట్ ఫండ్ ప్రత్యక్ష ప్రణాళికలను ఎంచుకోవడం ద్వారా, ప్రత్యక్ష నిధుల సంగ్రహావలోకనం, రుణ నిధుల గురించి క్లుప్త అవగాహనతో పాటు కొన్ని ఉత్తమ ప్రత్యక్ష చిప్పల రుణ నిధులు.

రెగ్యులర్ ఫండ్ల మాదిరిగా కాకుండా, మ్యూచువల్ ఫండ్ కంపెనీ, కార్వి / వంటి ఆర్టీఏల వంటి పరిమిత ఛానెళ్ల ద్వారా ప్రత్యక్ష నిధులు లభిస్తాయి.కెమెరాలు, పరిమిత మూడవ పార్టీ సెక్యూరిటీల మధ్యవర్తులు మరియు ఫండ్ హౌస్ యొక్క స్థానిక ప్రతినిధులు. సలహాదారు లేదా మధ్యవర్తి సహాయం లేకుండా స్వతంత్రంగా పెట్టుబడులు పెట్టవచ్చు మరియు వారి పెట్టుబడులను ట్రాక్ చేయగల పెట్టుబడిదారులు ఫండ్ హౌస్ నుండి ప్రత్యక్ష ప్రణాళికలలో పెట్టుబడి పెట్టవచ్చు.
ప్రత్యక్ష నిధులలో, సాధారణ నిధుల వంటి ఖర్చు ఛార్జీలు లేవు. లేనందునపంపిణీదారు ఛార్జీలు / లావాదేవీ ఛార్జర్లు మొదలైనవి, ప్రత్యక్ష ప్రణాళికల ఖర్చు నిష్పత్తి తక్కువగా ఉంటుంది. రాబడిపై కూడా ఈ ప్రభావం. ప్రత్యక్ష మ్యూచువల్ ఫండ్ యొక్క వ్యయ నిష్పత్తి తక్కువగా ఉన్నందున, రాబడి సాధారణ ప్రణాళికల కంటే కొంచెం ఎక్కువగా ఉంటుంది- సుమారు 0.5 శాతం నుండి 1.5 శాతం ఎక్కువ. పెట్టుబడిదారులు ప్రత్యక్ష నిధులను ఎంచుకోవడానికి ఇది ఒక కారణం.
ఆదర్శవంతంగా, ఒకపెట్టుబడిదారు మ్యూచువల్ ఫండ్ పెట్టుబడి అనుభవం మరియు మార్కెట్ కదలికల గురించి న్యాయమైన జ్ఞానం కలిగిన వారు ప్రత్యక్ష ప్రణాళికల కోసం ఇష్టపడాలి. కొత్త పెట్టుబడిదారుల గురించి ఖచ్చితంగా తెలియదుఅపాయకరమైన ఆకలి మరియు మార్కెట్ ఆదర్శంగా ఉండాలిమ్యూచువల్ ఫండ్స్ సాధారణ ప్రణాళికలతో.
డెట్ ఫండ్స్ అనేది ఒక రకమైన మ్యూచువల్ ఫండ్స్, ఇవి ప్రధానంగా స్థిర ఆదాయ సెక్యూరిటీలలో పెట్టుబడి పెడతాయిబాండ్స్, ప్రభుత్వ సెక్యూరిటీలు, ట్రెజరీ బిల్లులు మొదలైనవి. మేము రుణ నిధుల వర్గీకరణలను పరిశీలిస్తే, అవి మెచ్యూరిటీల ప్రకారం వర్గీకరించబడతాయి- స్వల్ప, మధ్య మరియు దీర్ఘకాలిక కాలం. డెట్ ఫండ్లలో పెట్టుబడులు పెట్టాలనుకునే పెట్టుబడిదారులకు ఇది అనేక రకాల ఎంపికలను ఇస్తుంది.
పెట్టుబడులలో ఎక్కువ రిస్క్ తీసుకోకూడదనుకునేవారికి లేదా నివారించాలనుకునేవారికి డెట్ ఫండ్స్ మంచి ఎంపికఇన్వెస్టింగ్ అత్యంత అస్థిరతలోఈక్విటీ ఫండ్స్. ఈ నిధులు సాధారణ మరియు స్థిరమైన ఆదాయాన్ని అందిస్తాయి, అయితే, ఈక్విటీ ఫండ్లతో పోలిస్తే రాబడి తక్కువగా ఉంటుంది.
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Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Franklin India Income Builder Account - Plan A - Direct Growth ₹112.478
↑ 0.06 ₹1,338 1.4 3.2 9.6 8.3 6.8 9.7 Axis Corporate Debt Opportunities Fund - Direct Growth ₹18.7829
↑ 0.02 ₹9,436 1 2.8 8.2 8.2 6.9 8.6 HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth ₹53.0911
↑ 0.04 ₹16,224 1.4 3.1 7.8 8.2 6.8 8.1 UTI Short Term Income Fund - Direct Growth ₹34.9992
↑ 0.02 ₹3,181 1.1 2.7 7.5 7.9 7.6 7.8 UTI Treasury Advantage Fund - Direct Growth ₹3,751.17
↑ 1.83 ₹2,667 1.4 3.1 7.5 7.5 7.4 7.7 Franklin India Savings Plus Fund Retail Option - Direct Growth ₹53.9807
↑ 0.03 ₹3,830 1.5 3.1 7.5 7.6 6.3 7.6 UTI Money Market Fund - Direct Growth ₹3,249.26
↑ 1.50 ₹19,301 1.5 3.1 7.4 7.6 6.4 7.6 Edelweiss Bond Fund - Direct Growth ₹32.6191
↑ 0.01 ₹2,300 1.5 3 7.3 7.4 6.1 7.6 Reliance Dynamic Bond Fund - Direct Growth ₹41.3251
↑ 0.08 ₹4,388 1.1 2.1 7.3 8.1 6.6 7.5 Franklin India Treasury Management Account - Regular Plan - Direct Growth ₹4,112.55
↑ 0.60 ₹2,640 1.5 3 6.5 7 6 6.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Feb 26 Research Highlights & Commentary of 10 Funds showcased
Commentary Franklin India Income Builder Account - Plan A - Direct Axis Corporate Debt Opportunities Fund - Direct HDFC Floating Rate Income Fund - Short Term Plan - Direct UTI Short Term Income Fund - Direct UTI Treasury Advantage Fund - Direct Franklin India Savings Plus Fund Retail Option - Direct UTI Money Market Fund - Direct Edelweiss Bond Fund - Direct Reliance Dynamic Bond Fund - Direct Franklin India Treasury Management Account - Regular Plan - Direct Point 1 Bottom quartile AUM (₹1,338 Cr). Upper mid AUM (₹9,436 Cr). Top quartile AUM (₹16,224 Cr). Lower mid AUM (₹3,181 Cr). Lower mid AUM (₹2,667 Cr). Upper mid AUM (₹3,830 Cr). Highest AUM (₹19,301 Cr). Bottom quartile AUM (₹2,300 Cr). Upper mid AUM (₹4,388 Cr). Bottom quartile AUM (₹2,640 Cr). Point 2 Oldest track record among peers (13 yrs). Established history (8+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ 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: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Low. Point 5 1Y return: 9.63% (top quartile). 1Y return: 8.16% (top quartile). 1Y return: 7.84% (upper mid). 1Y return: 7.53% (upper mid). 1Y return: 7.49% (upper mid). 1Y return: 7.46% (lower mid). 1Y return: 7.39% (lower mid). 1Y return: 7.35% (bottom quartile). 1Y return: 7.28% (bottom quartile). 1Y return: 6.50% (bottom quartile). Point 6 1M return: 0.93% (top quartile). 1M return: 0.82% (upper mid). 1M return: 0.77% (upper mid). 1M return: 0.79% (upper mid). 1M return: 0.68% (lower mid). 1M return: 0.59% (bottom quartile). 1M return: 0.60% (lower mid). 1M return: 0.59% (bottom quartile). 1M return: 1.23% (top quartile). 1M return: 0.53% (bottom quartile). Point 7 Sharpe: 1.55 (lower mid). Sharpe: 1.38 (bottom quartile). Sharpe: 2.19 (lower mid). Sharpe: 1.31 (bottom quartile). Sharpe: 2.77 (upper mid). Sharpe: 3.08 (upper mid). Sharpe: 3.21 (upper mid). Sharpe: 3.26 (top quartile). Sharpe: 0.54 (bottom quartile). Sharpe: 3.93 (top 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): 7.12% (top quartile). Yield to maturity (debt): 6.96% (lower mid). Yield to maturity (debt): 7.08% (upper mid). Yield to maturity (debt): 7.02% (upper mid). Yield to maturity (debt): 7.02% (upper mid). Yield to maturity (debt): 6.21% (bottom quartile). Yield to maturity (debt): 6.33% (bottom quartile). Yield to maturity (debt): 6.35% (lower mid). Yield to maturity (debt): 7.12% (top quartile). Yield to maturity (debt): 6.10% (bottom quartile). Point 10 Modified duration: 2.48 yrs (lower mid). Modified duration: 2.92 yrs (bottom quartile). Modified duration: 1.81 yrs (lower mid). Modified duration: 2.51 yrs (bottom quartile). Modified duration: 0.92 yrs (upper mid). Modified duration: 0.26 yrs (top quartile). Modified duration: 0.35 yrs (upper mid). Modified duration: 0.42 yrs (upper mid). Modified duration: 3.54 yrs (bottom quartile). Modified duration: 0.16 yrs (top quartile). Franklin India Income Builder Account - Plan A - Direct
Axis Corporate Debt Opportunities Fund - Direct
HDFC Floating Rate Income Fund - Short Term Plan - Direct
UTI Short Term Income Fund - Direct
UTI Treasury Advantage Fund - Direct
Franklin India Savings Plus Fund Retail Option - Direct
UTI Money Market Fund - Direct
Edelweiss Bond Fund - Direct
Reliance Dynamic Bond Fund - Direct
Franklin India Treasury Management Account - Regular Plan - Direct
The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan. Below is the key information for Franklin India Income Builder Account - Plan A - Direct Returns up to 1 year are on The Scheme seeks to provide steady income and capital appreciation by investing in corporate debt. There is no assurance or guarantee that the objectives of the Scheme will be realized. Research Highlights for Axis Corporate Debt Opportunities Fund - Direct Below is the key information for Axis Corporate Debt Opportunities Fund - Direct Returns up to 1 year are on The investment objective of the scheme is to generate regular income through investment in a portfolio comprising substantially of floating & fixed rate debt & money market instruments swapped for floating rate returns and fixed rate debt securities and money market instruments. Research Highlights for HDFC Floating Rate Income Fund - Short Term Plan - Direct Below is the key information for HDFC Floating Rate Income Fund - Short Term Plan - Direct Returns up to 1 year are on To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt. Research Highlights for UTI Short Term Income Fund - Direct Below is the key information for UTI Short Term Income Fund - Direct Returns up to 1 year are on The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations. Research Highlights for UTI Treasury Advantage Fund - Direct Below is the key information for UTI Treasury Advantage Fund - Direct Returns up to 1 year are on Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments. Research Highlights for Franklin India Savings Plus Fund Retail Option - Direct Below is the key information for Franklin India Savings Plus Fund Retail Option - Direct Returns up to 1 year are on To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities. Research Highlights for UTI Money Market Fund - Direct Below is the key information for UTI Money Market Fund - Direct Returns up to 1 year are on To generate optimal returns while maintaining liquidity through active management of the portfolio by investing in debt and money market instruments. However, there can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for Edelweiss Bond Fund - Direct Below is the key information for Edelweiss Bond Fund - Direct Returns up to 1 year are on The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risks. This income may be complimented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in debt and money market instruments. Research Highlights for Reliance Dynamic Bond Fund - Direct Below is the key information for Reliance Dynamic Bond Fund - Direct Returns up to 1 year are on Aims to provide current income with high liquidity. Research Highlights for Franklin India Treasury Management Account - Regular Plan - Direct Below is the key information for Franklin India Treasury Management Account - Regular Plan - Direct Returns up to 1 year are on 1. Franklin India Income Builder Account - Plan A - Direct
Franklin India Income Builder Account - Plan A - Direct
Growth Launch Date 1 Jan 13 NAV (16 Feb 26) ₹112.478 ↑ 0.06 (0.05 %) Net Assets (Cr) ₹1,338 on 31 Dec 25 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderate Expense Ratio 0.24 Sharpe Ratio 1.55 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 7.12% Effective Maturity 5 Years 10 Months 10 Days Modified Duration 2 Years 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,460 31 Jan 23 ₹10,878 31 Jan 24 ₹11,663 31 Jan 25 ₹12,600 31 Jan 26 ₹13,796 Returns for Franklin India Income Builder Account - Plan A - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26 Duration Returns 1 Month 0.9% 3 Month 1.4% 6 Month 3.2% 1 Year 9.6% 3 Year 8.3% 5 Year 6.8% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.7% 2023 8.2% 2022 7.1% 2021 3.7% 2020 4.3% 2019 9.7% 2018 9.8% 2017 8.1% 2016 8.3% 2015 9.7% Fund Manager information for Franklin India Income Builder Account - Plan A - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 2.32 Yr. Anuj Tagra 7 Mar 24 1.9 Yr. Chandni Gupta 7 Mar 24 1.9 Yr. Data below for Franklin India Income Builder Account - Plan A - Direct as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 7.63% Debt 92.1% Other 0.28% Debt Sector Allocation
Sector Value Corporate 64.95% Government 27.15% Cash Equivalent 7.63% Credit Quality
Rating Value AA 6.82% AAA 93.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.90% Gs 2065
Sovereign Bonds | -8% ₹101 Cr 10,529,500 Poonawalla Fincorp Limited
Debentures | -6% ₹82 Cr 8,000 National Bank For Agriculture And Rural Development
Debentures | -6% ₹78 Cr 7,500 RJ Corp Limited
Debentures | -4% ₹55 Cr 5,467 Sikka Ports & Terminals Limited
Debentures | -4% ₹52 Cr 500 Summit Digitel Infrastructure Limited
Debentures | -4% ₹51 Cr 5,000 Rec Limited
Debentures | -4% ₹50 Cr 9,000 Embassy Office Parks Reit
Debentures | -4% ₹50 Cr 5,000 Jubilant Beverages Limited
Debentures | -3% ₹46 Cr 4,269 Jubilant Bevco Limited
Debentures | -3% ₹44 Cr 4,076 2. Axis Corporate Debt Opportunities Fund - Direct
Axis Corporate Debt Opportunities Fund - Direct
Growth Launch Date 13 Jul 17 NAV (16 Feb 26) ₹18.7829 ↑ 0.02 (0.08 %) Net Assets (Cr) ₹9,436 on 31 Dec 25 Category Debt - Corporate Bond AMC Axis Asset Management Company Limited Rating Risk Moderate Expense Ratio 0.31 Sharpe Ratio 1.38 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.96% Effective Maturity 3 Years 9 Months 18 Days Modified Duration 2 Years 11 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,483 31 Jan 23 ₹10,960 31 Jan 24 ₹11,805 31 Jan 25 ₹12,836 31 Jan 26 ₹13,833 Returns for Axis Corporate Debt Opportunities Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26 Duration Returns 1 Month 0.8% 3 Month 1% 6 Month 2.8% 1 Year 8.2% 3 Year 8.2% 5 Year 6.9% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.6% 2023 8.7% 2022 7.5% 2021 4.4% 2020 4.4% 2019 12.4% 2018 6.9% 2017 8.8% 2016 2015 Fund Manager information for Axis Corporate Debt Opportunities Fund - Direct
Name Since Tenure Devang Shah 13 Jul 17 8.56 Yr. Hardik Shah 31 Jan 22 4.01 Yr. Data below for Axis Corporate Debt Opportunities Fund - Direct as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 10.22% Debt 89.48% Other 0.3% Debt Sector Allocation
Sector Value Corporate 69% Government 25.14% Cash Equivalent 5.56% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Gs 2033
Sovereign Bonds | -4% ₹313 Cr 30,500,000
↓ -6,000,000 Small Industries Development Bank Of India
Debentures | -2% ₹201 Cr 20,000 Bajaj Housing Finance Limited
Debentures | -2% ₹198 Cr 20,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹196 Cr 19,500 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹193 Cr 194 Bharti Telecom Limited
Debentures | -2% ₹188 Cr 19,000 6.48% Gs 2035
Sovereign Bonds | -2% ₹182 Cr 18,500,000
↓ -3,500,000 Rec Limited
Debentures | -2% ₹178 Cr 17,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹176 Cr 17,500
↑ 10,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹171 Cr 17,000
↑ 4,500 3. HDFC Floating Rate Income Fund - Short Term Plan - Direct
HDFC Floating Rate Income Fund - Short Term Plan - Direct
Growth Launch Date 1 Jan 13 NAV (16 Feb 26) ₹53.0911 ↑ 0.04 (0.07 %) Net Assets (Cr) ₹16,224 on 31 Dec 25 Category Debt - Floating Rate AMC HDFC Asset Management Company Limited Rating Risk Moderately Low Expense Ratio 0.25 Sharpe Ratio 2.19 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 7.08% Effective Maturity 4 Years 2 Months 1 Day Modified Duration 1 Year 9 Months 22 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,459 31 Jan 23 ₹10,963 31 Jan 24 ₹11,852 31 Jan 25 ₹12,864 31 Jan 26 ₹13,846
Purchase not allowed Returns for HDFC Floating Rate Income Fund - Short Term Plan - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26 Duration Returns 1 Month 0.8% 3 Month 1.4% 6 Month 3.1% 1 Year 7.8% 3 Year 8.2% 5 Year 6.8% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.1% 2023 8.5% 2022 7.9% 2021 4.8% 2020 4.4% 2019 9.4% 2018 8.7% 2017 7.4% 2016 7% 2015 9.1% Fund Manager information for HDFC Floating Rate Income Fund - Short Term Plan - Direct
Name Since Tenure Shobhit Mehrotra 23 Oct 07 18.29 Yr. Dhruv Muchhal 22 Jun 23 2.61 Yr. Data below for HDFC Floating Rate Income Fund - Short Term Plan - Direct as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 6.65% Debt 93.07% Other 0.28% Debt Sector Allocation
Sector Value Corporate 54.7% Government 38.36% Cash Equivalent 6.65% Credit Quality
Rating Value AA 13.6% AAA 86.4% Top Securities Holdings / Portfolio
Name Holding Value Quantity Goi Frb 2034
Sovereign Bonds | -11% ₹1,803 Cr 177,000,000
↑ 2,500,000 Goi Floating Rate Bond 2031
Sovereign Bonds | -7% ₹1,085 Cr 106,000,000 Goi Floating Rate Bond 2033
Sovereign Bonds | -6% ₹1,075 Cr 104,141,200
↑ 2,500,000 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -4% ₹698 Cr 695 Jubilant Beverages Limited
Debentures | -3% ₹467 Cr 43,600 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹401 Cr 400 National Bank For Agriculture And Rural Development
Debentures | -2% ₹328 Cr 32,500 Aadhar Housing Finance Limited
Debentures | -2% ₹303 Cr 30,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹302 Cr 30,000 Ascendas It Park (Pune) Private Limited
Debentures | -2% ₹262 Cr 26,499 4. UTI Short Term Income Fund - Direct
UTI Short Term Income Fund - Direct
Growth Launch Date 1 Jan 13 NAV (16 Feb 26) ₹34.9992 ↑ 0.02 (0.07 %) Net Assets (Cr) ₹3,181 on 31 Dec 25 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating Risk Moderate Expense Ratio 0.4 Sharpe Ratio 1.31 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.02% Effective Maturity 3 Years 3 Months 18 Days Modified Duration 2 Years 6 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,950 31 Jan 23 ₹11,456 31 Jan 24 ₹12,349 31 Jan 25 ₹13,378 31 Jan 26 ₹14,339 Returns for UTI Short Term Income Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26 Duration Returns 1 Month 0.8% 3 Month 1.1% 6 Month 2.7% 1 Year 7.5% 3 Year 7.9% 5 Year 7.6% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.8% 2023 8.4% 2022 7.6% 2021 4.4% 2020 9% 2019 11% 2018 -3.5% 2017 6.6% 2016 6.6% 2015 10.6% Fund Manager information for UTI Short Term Income Fund - Direct
Name Since Tenure Abhishek Sonthalia 10 Nov 25 0.22 Yr. Data below for UTI Short Term Income Fund - Direct as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 8.67% Debt 91.05% Other 0.28% Debt Sector Allocation
Sector Value Corporate 68.5% Government 22.55% Cash Equivalent 8.67% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC Housing Finance Ltd
Debentures | -6% ₹176 Cr 1,750 Power Finance Corporation Limited
Debentures | -6% ₹176 Cr 17,500 Export Import Bank Of India
Debentures | -4% ₹124 Cr 12,500 National Housing Bank
Debentures | -3% ₹101 Cr 10,000
↓ -7,500 Small Industries Development Bank Of India
Debentures | -3% ₹99 Cr 10,000 6.48% Gs 2035
Sovereign Bonds | -3% ₹98 Cr 1,000,000,000 TATA Communications Limited
Debentures | -3% ₹98 Cr 10,000 Union Bank of India
Domestic Bonds | -3% ₹98 Cr 1,000,000,000 6.79% Gs 2034
Sovereign Bonds | -3% ₹95 Cr 950,000,000 HDFC Bank Ltd.
Debentures | -3% ₹94 Cr 1,000,000,000 5. UTI Treasury Advantage Fund - Direct
UTI Treasury Advantage Fund - Direct
Growth Launch Date 1 Jan 13 NAV (16 Feb 26) ₹3,751.17 ↑ 1.83 (0.05 %) Net Assets (Cr) ₹2,667 on 31 Dec 25 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating Risk Moderately Low Expense Ratio 0.37 Sharpe Ratio 2.77 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.02% Effective Maturity 1 Year 2 Months 1 Day Modified Duration 11 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,935 31 Jan 23 ₹11,461 31 Jan 24 ₹12,301 31 Jan 25 ₹13,251 31 Jan 26 ₹14,214 Returns for UTI Treasury Advantage Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26 Duration Returns 1 Month 0.7% 3 Month 1.4% 6 Month 3.1% 1 Year 7.5% 3 Year 7.5% 5 Year 7.4% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.8% 2022 7.2% 2021 4.6% 2020 9.1% 2019 7.4% 2018 -4.1% 2017 7.5% 2016 7.2% 2015 9.1% Fund Manager information for UTI Treasury Advantage Fund - Direct
Name Since Tenure Anurag Mittal 1 Dec 21 4.17 Yr. Data below for UTI Treasury Advantage Fund - Direct as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 26.69% Debt 72.98% Other 0.32% Debt Sector Allocation
Sector Value Corporate 62.6% Cash Equivalent 23.54% Government 13.54% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 30/04/2026 Maturing 182 DTB
Sovereign Bonds | -4% ₹123 Cr 1,250,000,000
↑ 1,250,000,000 Embassy Office Parks Reit
Debentures | -4% ₹120 Cr 1,200 7.86% Karnataka Sdl 2027
Sovereign Bonds | -3% ₹102 Cr 1,000,000,000
↑ 1,000,000,000 Rec Limited
Debentures | -3% ₹101 Cr 10,000 Summit Digitel Infrastructure Limited
Debentures | -3% ₹100 Cr 1,000 Jamnagar Utilities & Power Private Limited
Debentures | -3% ₹99 Cr 1,000 08/05/2026 Maturing 182 DTB
Sovereign Bonds | -3% ₹99 Cr 1,000,000,000
↑ 1,000,000,000 Embassy Office Parks Reit
Debentures | -3% ₹90 Cr 900 LIC Housing Finance Ltd
Debentures | -3% ₹76 Cr 750 Nirma Limited
Debentures | -3% ₹75 Cr 7,500 6. Franklin India Savings Plus Fund Retail Option - Direct
Franklin India Savings Plus Fund Retail Option - Direct
Growth Launch Date 1 Jan 13 NAV (16 Feb 26) ₹53.9807 ↑ 0.03 (0.05 %) Net Assets (Cr) ₹3,830 on 31 Dec 25 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderately Low Expense Ratio 0.14 Sharpe Ratio 3.08 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.21% Effective Maturity 3 Months 11 Days Modified Duration 3 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,384 31 Jan 23 ₹10,886 31 Jan 24 ₹11,709 31 Jan 25 ₹12,620 31 Jan 26 ₹13,547 Returns for Franklin India Savings Plus Fund Retail Option - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 3.1% 1 Year 7.5% 3 Year 7.6% 5 Year 6.3% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.6% 2023 7.8% 2022 7.4% 2021 4.6% 2020 3.7% 2019 6.2% 2018 8.6% 2017 7.7% 2016 7.3% 2015 8.5% Fund Manager information for Franklin India Savings Plus Fund Retail Option - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 2.32 Yr. Rohan Maru 10 Oct 24 1.31 Yr. Chandni Gupta 30 Apr 24 1.76 Yr. Data below for Franklin India Savings Plus Fund Retail Option - Direct as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 99.6% Debt 0.13% Other 0.27% Debt Sector Allocation
Sector Value Cash Equivalent 42.08% Corporate 41.4% Government 16.25% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 05/03/2026 Maturing 364 DTB
Sovereign Bonds | -6% ₹224 Cr 22,500,000 Punjab National Bank
Domestic Bonds | -3% ₹104 Cr 2,100 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹74 Cr 1,500 12/03/2026 Maturing 364 DTB
Sovereign Bonds | -1% ₹50 Cr 5,000,000 Indian Bank
Domestic Bonds | -1% ₹50 Cr 1,000 08.39 RJ UDAY 2026
Domestic Bonds | -1% ₹30 Cr 2,860,000 HDFC Bank Ltd.
Debentures | -1% ₹25 Cr 500 Corporate Debt Market Development Fund Class A2
- | -0% ₹10 Cr 8,992
↑ 8,992 6.88% Westbengal Sdl 2026
Sovereign Bonds | -0% ₹5 Cr 500,000 Call, Cash & Other Assets
CBLO | -9% ₹352 Cr 7. UTI Money Market Fund - Direct
UTI Money Market Fund - Direct
Growth Launch Date 1 Jan 13 NAV (16 Feb 26) ₹3,249.26 ↑ 1.50 (0.05 %) Net Assets (Cr) ₹19,301 on 31 Dec 25 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating Risk Low Expense Ratio 0.17 Sharpe Ratio 3.21 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.33% Effective Maturity 4 Months 6 Days Modified Duration 4 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,397 31 Jan 23 ₹10,940 31 Jan 24 ₹11,772 31 Jan 25 ₹12,689 31 Jan 26 ₹13,609
Purchase not allowed Returns for UTI Money Market Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 3.1% 1 Year 7.4% 3 Year 7.6% 5 Year 6.4% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.6% 2023 7.8% 2022 7.5% 2021 5% 2020 3.8% 2019 6.1% 2018 8.1% 2017 7.9% 2016 6.8% 2015 7.8% Fund Manager information for UTI Money Market Fund - Direct
Name Since Tenure Anurag Mittal 1 Dec 21 4.17 Yr. Amit Sharma 7 Jul 17 8.58 Yr. Data below for UTI Money Market Fund - Direct as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 68.52% Debt 31.21% Other 0.28% Debt Sector Allocation
Sector Value Corporate 43.56% Cash Equivalent 35.9% Government 20.26% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Canara Bank
Domestic Bonds | -3% ₹684 Cr 7,000,000,000 Indusind Bank Ltd.
Debentures | -3% ₹538 Cr 5,500,000,000 19/03/2026 Maturing 364 DTB
Sovereign Bonds | -2% ₹497 Cr 5,000,000,000 18/06/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹490 Cr 5,000,000,000
↑ 5,000,000,000 Union Bank of India
Domestic Bonds | -2% ₹392 Cr 4,000,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -2% ₹373 Cr 4,000,000,000
↑ 4,000,000,000 08/05/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹345 Cr 3,500,000,000
↑ 3,500,000,000 21/05/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹344 Cr 3,500,000,000 Export-Import Bank of India
Domestic Bonds | -1% ₹280 Cr 3,000,000,000
↑ 3,000,000,000 Bank Of Maharashtra
Domestic Bonds | -1% ₹211 Cr 2,250,000,000
↓ -250,000,000 8. Edelweiss Bond Fund - Direct
Edelweiss Bond Fund - Direct
Growth Launch Date 1 Jan 13 NAV (16 Feb 26) ₹32.6191 ↑ 0.01 (0.04 %) Net Assets (Cr) ₹2,300 on 31 Dec 25 Category Debt - Dynamic Bond AMC Edelweiss Asset Management Limited Rating Risk Moderate Expense Ratio 0.16 Sharpe Ratio 3.26 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.35% Effective Maturity 5 Months 1 Day Modified Duration 5 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,380 31 Jan 23 ₹10,842 31 Jan 24 ₹11,631 31 Jan 25 ₹12,525 31 Jan 26 ₹13,432 Returns for Edelweiss Bond Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 3% 1 Year 7.3% 3 Year 7.4% 5 Year 6.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.6% 2023 7.7% 2022 7.2% 2021 4.3% 2020 3.7% 2019 7.2% 2018 13.4% 2017 6.6% 2016 3.6% 2015 10.5% Fund Manager information for Edelweiss Bond Fund - Direct
Name Since Tenure Rahul Dedhia 22 Sep 25 0.36 Yr. Hetul Raval 1 Jul 24 1.59 Yr. Data below for Edelweiss Bond Fund - Direct as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 85.41% Debt 14.34% Other 0.25% Debt Sector Allocation
Sector Value Corporate 43.24% Cash Equivalent 41.23% Government 15.28% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Canara Bank
Domestic Bonds | -4% ₹122 Cr 12,500,000 Tbill
Sovereign Bonds | -4% ₹98 Cr 10,000,000
↑ 10,000,000 Bank of Baroda
Debentures | -3% ₹96 Cr 10,000,000 26/03/2026 Maturing 364 DTB
Sovereign Bonds | -3% ₹74 Cr 7,500,000
↑ 7,500,000 23/07/2026 Maturing 364 DTB
Sovereign Bonds | -2% ₹54 Cr 5,500,000
↑ 5,500,000 19/03/2026 Maturing 364 DTB
Sovereign Bonds | -2% ₹50 Cr 5,000,000 04/06/2026 Maturing 364 DTB
Sovereign Bonds | -1% ₹25 Cr 2,500,000 Sbi Cdmdf--A2
- | -0% ₹7 Cr 5,927
↑ 5,927 8.51% Haryana Sdl 2026
Sovereign Bonds | -0% ₹5 Cr 500,000 8.53% Uttarpradesh Sdl 2026
Sovereign Bonds | -0% ₹5 Cr 500,000 9. Reliance Dynamic Bond Fund - Direct
Reliance Dynamic Bond Fund - Direct
Growth Launch Date 1 Jan 13 NAV (16 Feb 26) ₹41.3251 ↑ 0.08 (0.20 %) Net Assets (Cr) ₹4,388 on 31 Dec 25 Category Debt - Dynamic Bond AMC Nippon Life Asset Management Ltd. Rating Risk Moderate Expense Ratio 0.32 Sharpe Ratio 0.54 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 7.12% Effective Maturity 4 Years 9 Months 4 Days Modified Duration 3 Years 6 Months 14 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,272 31 Jan 23 ₹10,644 31 Jan 24 ₹11,433 31 Jan 25 ₹12,522 31 Jan 26 ₹13,369 Returns for Reliance Dynamic Bond Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26 Duration Returns 1 Month 1.2% 3 Month 1.1% 6 Month 2.1% 1 Year 7.3% 3 Year 8.1% 5 Year 6.6% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.5% 2023 9.4% 2022 7.1% 2021 2.8% 2020 3.2% 2019 11.9% 2018 9.2% 2017 5.5% 2016 3.8% 2015 14.7% Fund Manager information for Reliance Dynamic Bond Fund - Direct
Name Since Tenure Vivek Sharma 25 Jun 20 5.61 Yr. Pranay Sinha 31 Mar 21 4.84 Yr. Kinjal Desai 25 May 18 7.69 Yr. Lokesh Maru 5 Sep 25 0.41 Yr. Divya Sharma 5 Sep 25 0.41 Yr. Data below for Reliance Dynamic Bond Fund - Direct as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 2.34% Debt 97.33% Other 0.33% Debt Sector Allocation
Sector Value Government 97.33% Cash Equivalent 2.34% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.83% Maharashtra Sdl 2030
Sovereign Bonds | -7% ₹303 Cr 29,400,000 7.78% Maharashtra Sgs 2030
Sovereign Bonds | -6% ₹248 Cr 24,100,200 7.04% Tamilnadu SDL 2030
Sovereign Bonds | -6% ₹231 Cr 23,078,300 7.72% Maharashtra Sgs 2031
Sovereign Bonds | -5% ₹197 Cr 19,146,700 7.86% Maharashtra Sdl 2030
Sovereign Bonds | -3% ₹113 Cr 11,000,000 6.65% Gujarat Sdl 2030
Sovereign Bonds | -3% ₹110 Cr 11,200,000 7.09% Karnataka Sdl 2030
Sovereign Bonds | -3% ₹104 Cr 10,321,200 7.49% Maharashtra Sgs 2030
Sovereign Bonds | -3% ₹102 Cr 10,030,000 6.7% Gujarat Sdl 2030
Sovereign Bonds | -2% ₹95 Cr 9,640,700 7.6% Maharashtra Sdl 2030
Sovereign Bonds | -2% ₹92 Cr 9,000,000 10. Franklin India Treasury Management Account - Regular Plan - Direct
Franklin India Treasury Management Account - Regular Plan - Direct
Growth Launch Date 1 Jan 13 NAV (16 Feb 26) ₹4,112.55 ↑ 0.60 (0.01 %) Net Assets (Cr) ₹2,640 on 31 Dec 25 Category Debt - Liquid Fund AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Low Expense Ratio 0.12 Sharpe Ratio 3.93 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 6.1% Effective Maturity 1 Month 28 Days Modified Duration 1 Month 28 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,339 31 Jan 23 ₹10,874 31 Jan 24 ₹11,648 31 Jan 25 ₹12,515 31 Jan 26 ₹13,332
Purchase not allowed Returns for Franklin India Treasury Management Account - Regular Plan - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3% 1 Year 6.5% 3 Year 7% 5 Year 6% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.7% 2023 7.5% 2022 7% 2021 4.9% 2020 3.3% 2019 4.4% 2018 6.9% 2017 7.5% 2016 6.8% 2015 7.7% Fund Manager information for Franklin India Treasury Management Account - Regular Plan - Direct
Name Since Tenure Pallab Roy 25 Jun 08 17.61 Yr. Rohan Maru 10 Oct 24 1.31 Yr. Data below for Franklin India Treasury Management Account - Regular Plan - Direct as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 99.81% Other 0.19% Debt Sector Allocation
Sector Value Corporate 45.36% Cash Equivalent 40.48% Government 13.97% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tbill
Sovereign Bonds | -6% ₹248 Cr 25,000,000 ICICI Securities Ltd
Commercial Paper | -5% ₹198 Cr 4,000 Tbill
Sovereign Bonds | -5% ₹197 Cr 20,000,000
↑ 20,000,000 National Bank For Agriculture And Rural Development
Certificate of Deposit | -4% ₹150 Cr 3,000
↑ 2,500 Small Industries Development Bank Of India
Certificate of Deposit | -4% ₹150 Cr 3,000 HDFC Bank Limited
Certificate of Deposit | -4% ₹150 Cr 3,000 Axis Securities Limited
Commercial Paper | -4% ₹149 Cr 3,000
↑ 1,000 IDBI Bank Limited
Certificate of Deposit | -4% ₹149 Cr 3,000 State Bank Of India
Certificate of Deposit | -4% ₹149 Cr 3,000
↑ 3,000 Tbill
Sovereign Bonds | -4% ₹149 Cr 15,000,000
↑ 15,000,000
Research Highlights for Franklin India Income Builder Account - Plan A - Direct