ఉత్తమ బ్యాలెన్స్‌డ్ మ్యూచువల్ ఫండ్‌లు 2022

Updated on January 2, 2026 , 53394 views

టాప్బ్యాలెన్స్‌డ్ ఫండ్ ఉన్నాయిమ్యూచువల్ ఫండ్స్ మంచి మొత్తం రాబడులను అందించడానికి వారి ఆస్తులను ఈక్విటీలు మరియు డెట్ ఇన్‌స్ట్రుమెంట్ రెండింటిలోనూ పెట్టుబడి పెట్టడం. బ్యాలెన్స్‌డ్ మ్యూచువల్ ఫండ్‌లు తీసుకోవడానికి ఇష్టపడే పెట్టుబడిదారులకు ప్రయోజనకరంగా ఉంటాయిసంత అలాగే కొన్ని స్థిర రాబడి కోసం చూస్తున్నప్పుడు ప్రమాదం.

ఈక్విటీలు మరియు స్టాక్‌లలో పెట్టుబడి పెట్టబడిన ఆస్తులు మార్కెట్-లింక్డ్ రాబడిని అందిస్తాయి, అయితే డెట్ సాధనాలలో పెట్టుబడి పెట్టబడిన ఆస్తులు స్థిరమైన రాబడిని అందిస్తాయి. ఈక్విటీ మరియు డెట్ రెండింటి కలయిక అయినందున, పెట్టుబడిదారులు చాలా జాగ్రత్తగా ఉండాలిపెట్టుబడి పెడుతున్నారు ఈ నిధులలో. బ్యాలెన్స్‌డ్ మ్యూచువల్ ఫండ్స్‌లో ఇన్వెస్ట్ చేసే ముందు టాప్ బ్యాలెన్స్‌డ్ ఫండ్‌ల కోసం వెతకాలని పెట్టుబడిదారులు సలహా ఇస్తారు. మేము టాప్ బ్యాలెన్స్‌డ్ మ్యూచువల్ ఫండ్‌లను దిగువ జాబితా చేసాము.

బ్యాలెన్స్‌డ్ మ్యూచువల్ ఫండ్స్‌లో ఎందుకు పెట్టుబడి పెట్టాలి?

సాధారణంగా, పెట్టుబడిదారులు తమ పెట్టుబడులను తక్కువ వ్యవధిలో తక్కువ రిస్క్‌తో వైవిధ్యపరచడానికి మార్గాలను అన్వేషిస్తారు. ఈక్విటీ మరియు డెట్ సాధనాలు రెండింటి కలయికగా, బ్యాలెన్స్‌డ్ మ్యూచువల్ ఫండ్‌లు ఈ రెండు ప్రపంచాల్లోనూ ఉత్తమమైనవి. కాబట్టి, ఈ ఫండ్స్ డెట్ ఎక్స్‌పోజర్ కారణంగా కొన్ని ప్రాథమిక రాబడిని నిర్వహించేటప్పుడు నిరంతరం మారుతున్న మార్కెట్ పరిస్థితుల కారణంగా పతనమయ్యే ప్రమాదాన్ని తగ్గిస్తాయి. ఇది 100% పెట్టుబడి కంటే కొంచెం తక్కువ రిస్క్‌తో రాబడిని పొందే మిడ్-పాత్ కోసం చూస్తున్న పెట్టుబడిదారులకు బ్యాలెన్స్‌డ్ ఫండ్‌లను అత్యంత అనుకూలమైన పెట్టుబడి ఎంపికగా చేస్తుందిఈక్విటీ ఫండ్స్.

టాప్ బ్యాలెన్స్‌డ్ ఫండ్స్ యొక్క ప్రయోజనాలు & అప్రయోజనాలు

ప్రయోజనాలు

స్థిరమైన ఆస్తులలో 35-40% పెట్టుబడి పెట్టడం ద్వారా స్థిరమైన రాబడిని అందిస్తుందిఆదాయం ఎంపికలు
60-65% ఆస్తులను ఈక్విటీలలో పెట్టుబడి పెట్టడం ద్వారా మార్కెట్-లింక్డ్ రాబడిని అందిస్తుంది
మితమైన రిస్క్ తీసుకోవడానికి ఇష్టపడే సాంప్రదాయిక పెట్టుబడిదారులకు అనుకూలం

ప్రతికూలతలు

ఈక్విటీలలో పెట్టుబడి పెట్టిన ఫండ్‌లు అస్థిరమైనవి మరియు అధిక-రిస్క్ కలిగి ఉంటాయికారకం
కలిపి రాబడులు (డెట్ మరియు ఈక్విటీ మ్యూచువల్ ఫండ్స్ రెండింటి రిటర్న్స్) దీర్ఘకాలంలో చాలా మంచి రాబడిని ఇవ్వకపోవచ్చు.

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FY 22 - 23లో పెట్టుబడి పెట్టడానికి ఉత్తమ పనితీరు బ్యాలెన్స్‌డ్ ఫండ్‌లు లేదా హైబ్రిడ్ ఫండ్‌లు

టాప్ పెర్ఫార్మింగ్ అగ్రెసివ్ హైబ్రిడ్ ఫండ్స్

ఈ ఫండ్ తన మొత్తం ఆస్తులలో 65 నుండి 85 శాతం ఈక్విటీ సంబంధిత సాధనాల్లో మరియు 20 నుండి 35 శాతం ఆస్తులను డెట్ సాధనాల్లో పెట్టుబడి పెడుతుంది.మ్యూచువల్ ఫండ్ హౌసెస్ బ్యాలెన్స్‌డ్ హైబ్రిడ్ లేదా అగ్రెసివ్ హైబ్రిడ్ ఫండ్‌ను అందించవచ్చు, రెండూ కాదు.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Equity and Debt Fund Growth	₹414.8 ↑ 3.14	₹49,223	3.9	5.3	12.4	19.5	22.1	13.3
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹38.86 ↑ 0.25	₹1,321	2.9	0.3	-1.6	18.5	19.6	-0.9
JM Equity Hybrid Fund Growth	₹120.511 ↑ 0.88	₹811	0.8	-1.9	-3.5	17.9	17	-3.1
UTI Hybrid Equity Fund Growth	₹422.167 ↑ 2.30	₹6,718	5.5	3.3	5.7	17	17.2	6.4
Bandhan Hybrid Equity Fund Growth	₹27.237 ↑ 0.20	₹1,486	4.4	5.6	7.2	16.4	15.3	7.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Equity and Debt Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	JM Equity Hybrid Fund	UTI Hybrid Equity Fund	Bandhan Hybrid Equity Fund
Point 1	Highest AUM (₹49,223 Cr).	Bottom quartile AUM (₹1,321 Cr).	Bottom quartile AUM (₹811 Cr).	Upper mid AUM (₹6,718 Cr).	Lower mid AUM (₹1,486 Cr).
Point 2	Established history (26+ yrs).	Established history (9+ yrs).	Established history (30+ yrs).	Oldest track record among peers (31 yrs).	Established history (9+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 1★ (lower mid).	Rating: 3★ (upper mid).	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 22.07% (top quartile).	5Y return: 19.65% (upper mid).	5Y return: 16.96% (bottom quartile).	5Y return: 17.15% (lower mid).	5Y return: 15.28% (bottom quartile).
Point 6	3Y return: 19.50% (top quartile).	3Y return: 18.45% (upper mid).	3Y return: 17.94% (lower mid).	3Y return: 16.97% (bottom quartile).	3Y return: 16.41% (bottom quartile).
Point 7	1Y return: 12.42% (top quartile).	1Y return: -1.62% (bottom quartile).	1Y return: -3.50% (bottom quartile).	1Y return: 5.68% (lower mid).	1Y return: 7.16% (upper mid).
Point 8	1M return: 0.64% (bottom quartile).	1M return: 2.29% (top quartile).	1M return: -1.04% (bottom quartile).	1M return: 1.31% (upper mid).	1M return: 0.95% (lower mid).
Point 9	Alpha: 4.08 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: -9.12 (bottom quartile).	Alpha: -1.95 (bottom quartile).	Alpha: 1.21 (upper mid).
Point 10	Sharpe: 0.65 (top quartile).	Sharpe: -0.30 (bottom quartile).	Sharpe: -0.55 (bottom quartile).	Sharpe: 0.00 (lower mid).	Sharpe: 0.26 (upper mid).

ICICI Prudential Equity and Debt Fund

Highest AUM (₹49,223 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 22.07% (top quartile).
3Y return: 19.50% (top quartile).
1Y return: 12.42% (top quartile).
1M return: 0.64% (bottom quartile).
Alpha: 4.08 (top quartile).
Sharpe: 0.65 (top quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,321 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.65% (upper mid).
3Y return: 18.45% (upper mid).
1Y return: -1.62% (bottom quartile).
1M return: 2.29% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.30 (bottom quartile).

JM Equity Hybrid Fund

Bottom quartile AUM (₹811 Cr).
Established history (30+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.96% (bottom quartile).
3Y return: 17.94% (lower mid).
1Y return: -3.50% (bottom quartile).
1M return: -1.04% (bottom quartile).
Alpha: -9.12 (bottom quartile).
Sharpe: -0.55 (bottom quartile).

UTI Hybrid Equity Fund

Upper mid AUM (₹6,718 Cr).
Oldest track record among peers (31 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.15% (lower mid).
3Y return: 16.97% (bottom quartile).
1Y return: 5.68% (lower mid).
1M return: 1.31% (upper mid).
Alpha: -1.95 (bottom quartile).
Sharpe: 0.00 (lower mid).

Bandhan Hybrid Equity Fund

Lower mid AUM (₹1,486 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.28% (bottom quartile).
3Y return: 16.41% (bottom quartile).
1Y return: 7.16% (upper mid).
1M return: 0.95% (lower mid).
Alpha: 1.21 (upper mid).
Sharpe: 0.26 (upper mid).

అగ్ర పనితీరు కన్జర్వేటివ్ హైబ్రిడ్ ఫండ్‌లు

ఈ పథకం ప్రధానంగా రుణ సాధనాల్లో పెట్టుబడి పెడుతుంది. వారి మొత్తం ఆస్తులలో 75 నుండి 90 శాతం రుణ సాధనాల్లో మరియు దాదాపు 10 నుండి 25 శాతం ఈక్విటీ సంబంధిత సాధనాల్లో పెట్టుబడి పెడతారు. ఈ పథకానికి సంప్రదాయవాద అని పేరు పెట్టారు, ఎందుకంటే ఇది రిస్క్ లేని వ్యక్తుల కోసం. తమ పెట్టుబడిలో ఎక్కువ రిస్క్ తీసుకోకూడదనుకునే పెట్టుబడిదారులు ఈ పథకంలో పెట్టుబడి పెట్టడానికి ఇష్టపడవచ్చు.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential MIP 25 Growth	₹78.0979 ↑ 0.19	₹3,370	1.7	3.1	7.7	10.2	9.2	7.9
Kotak Debt Hybrid Fund Growth	₹59.7857 ↑ 0.13	₹3,103	1.9	1.9	5.1	10.2	9.6	5.3
DSP Regular Savings Fund Growth	₹60.2097 ↑ 0.10	₹180	2.1	2.3	6.8	10	8.3	7.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Jan 26

Research Highlights & Commentary of 3 Funds showcased

Commentary	ICICI Prudential MIP 25	Kotak Debt Hybrid Fund	DSP Regular Savings Fund
Point 1	Highest AUM (₹3,370 Cr).	Lower mid AUM (₹3,103 Cr).	Bottom quartile AUM (₹180 Cr).
Point 2	Established history (21+ yrs).	Oldest track record among peers (22 yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.
Point 5	5Y return: 9.16% (lower mid).	5Y return: 9.56% (upper mid).	5Y return: 8.25% (bottom quartile).
Point 6	3Y return: 10.24% (upper mid).	3Y return: 10.15% (lower mid).	3Y return: 10.05% (bottom quartile).
Point 7	1Y return: 7.75% (upper mid).	1Y return: 5.11% (bottom quartile).	1Y return: 6.84% (lower mid).
Point 8	1M return: 0.28% (bottom quartile).	1M return: 0.77% (upper mid).	1M return: 0.60% (lower mid).
Point 9	Alpha: 0.00 (upper mid).	Alpha: -2.79 (bottom quartile).	Alpha: -0.35 (lower mid).
Point 10	Sharpe: 0.61 (upper mid).	Sharpe: -0.21 (bottom quartile).	Sharpe: 0.20 (lower mid).

ICICI Prudential MIP 25

Highest AUM (₹3,370 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.16% (lower mid).
3Y return: 10.24% (upper mid).
1Y return: 7.75% (upper mid).
1M return: 0.28% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.61 (upper mid).

Kotak Debt Hybrid Fund

Lower mid AUM (₹3,103 Cr).
Oldest track record among peers (22 yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
5Y return: 9.56% (upper mid).
3Y return: 10.15% (lower mid).
1Y return: 5.11% (bottom quartile).
1M return: 0.77% (upper mid).
Alpha: -2.79 (bottom quartile).
Sharpe: -0.21 (bottom quartile).

DSP Regular Savings Fund

Bottom quartile AUM (₹180 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 8.25% (bottom quartile).
3Y return: 10.05% (bottom quartile).
1Y return: 6.84% (lower mid).
1M return: 0.60% (lower mid).
Alpha: -0.35 (lower mid).
Sharpe: 0.20 (lower mid).

అత్యుత్తమ పనితీరు గల ఆర్బిట్రేజ్ ఫండ్‌లు

ఈ ఫండ్ ఆర్బిట్రేజ్ వ్యూహాన్ని అనుసరిస్తుంది మరియు ఈక్విటీ-సంబంధిత సాధనాల్లో కనీసం 65 శాతం ఆస్తులను పెట్టుబడి పెడుతుంది. ఆర్బిట్రేజ్ ఫండ్‌లు మ్యూచువల్ ఫండ్‌లు, ఇవి మ్యూచువల్ ఫండ్ రాబడులను ఉత్పత్తి చేయడానికి నగదు మార్కెట్ మరియు డెరివేటివ్ మార్కెట్ మధ్య వ్యత్యాస ధరను ప్రభావితం చేస్తాయి. ఆర్బిట్రేజ్ ఫండ్స్ ద్వారా వచ్చే రాబడులు స్టాక్ మార్కెట్ యొక్క అస్థిరతపై ఆధారపడి ఉంటాయి. ఆర్బిట్రేజ్ మ్యూచువల్ ఫండ్‌లు ప్రకృతిలో హైబ్రిడ్ మరియు అధిక లేదా నిరంతర అస్థిరత ఉన్న సమయాల్లో, ఈ ఫండ్‌లు పెట్టుబడిదారులకు సాపేక్షంగా రిస్క్ లేని రాబడిని అందిస్తాయి.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Arbitrage Fund Growth	₹36.0869 ↑ 0.02	₹10,720	1.6	2.9	6.5	7.1	5.9	6.5
SBI Arbitrage Opportunities Fund Growth	₹34.8036 ↑ 0.01	₹41,083	1.6	2.9	6.5	7.2	6	6.5
Invesco India Arbitrage Fund Growth	₹32.8545 ↑ 0.01	₹27,562	1.6	2.9	6.4	7.1	6	6.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Jan 26

Research Highlights & Commentary of 3 Funds showcased

Commentary	UTI Arbitrage Fund	SBI Arbitrage Opportunities Fund	Invesco India Arbitrage Fund
Point 1	Bottom quartile AUM (₹10,720 Cr).	Highest AUM (₹41,083 Cr).	Lower mid AUM (₹27,562 Cr).
Point 2	Oldest track record among peers (19 yrs).	Established history (19+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	5Y return: 5.87% (bottom quartile).	5Y return: 6.02% (upper mid).	5Y return: 6.01% (lower mid).
Point 6	3Y return: 7.14% (lower mid).	3Y return: 7.16% (upper mid).	3Y return: 7.13% (bottom quartile).
Point 7	1Y return: 6.51% (upper mid).	1Y return: 6.47% (lower mid).	1Y return: 6.43% (bottom quartile).
Point 8	1M return: 0.59% (upper mid).	1M return: 0.55% (bottom quartile).	1M return: 0.56% (lower mid).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 1.22 (lower mid).	Sharpe: 1.23 (upper mid).	Sharpe: 1.03 (bottom quartile).

UTI Arbitrage Fund

Bottom quartile AUM (₹10,720 Cr).
Oldest track record among peers (19 yrs).
Top rated.
Risk profile: Moderately Low.
5Y return: 5.87% (bottom quartile).
3Y return: 7.14% (lower mid).
1Y return: 6.51% (upper mid).
1M return: 0.59% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.22 (lower mid).

SBI Arbitrage Opportunities Fund

Highest AUM (₹41,083 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
5Y return: 6.02% (upper mid).
3Y return: 7.16% (upper mid).
1Y return: 6.47% (lower mid).
1M return: 0.55% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.23 (upper mid).

Invesco India Arbitrage Fund

Lower mid AUM (₹27,562 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
5Y return: 6.01% (lower mid).
3Y return: 7.13% (bottom quartile).
1Y return: 6.43% (bottom quartile).
1M return: 0.56% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.03 (bottom quartile).

అత్యుత్తమ పనితీరు కనబరుస్తున్న డైనమిక్ అసెట్ కేటాయింపు నిధులు

ఈ పథకం ఈక్విటీ మరియు డెట్ సాధనాల్లో వారి పెట్టుబడులను డైనమిక్‌గా నిర్వహిస్తుంది. ఈ ఫండ్‌లు డెట్‌కు కేటాయింపులను పెంచుతాయి మరియు మార్కెట్ ఖరీదైనప్పుడు ఈక్విటీలకు వెయిటేజీని తగ్గిస్తాయి. అలాగే, ఈ ఫండ్స్ తక్కువ-రిస్క్‌లో స్థిరత్వాన్ని అందించడంపై దృష్టి పెడతాయి.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Axis Dynamic Equity Fund Growth	₹21.8 ↑ 0.11	₹3,810	4.5	3.4	6.3	14.8	11.8	7
ICICI Prudential Balanced Advantage Fund Growth	₹78.21 ↑ 0.40	₹69,868	4.2	5.5	11.7	13.8	12.9	12.2
Aditya Birla Sun Life Balanced Advantage Fund Growth	₹110.65 ↑ 0.40	₹8,800	4.3	3.1	9.8	13.3	11.5	10.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Jan 26

Research Highlights & Commentary of 3 Funds showcased

Commentary	Axis Dynamic Equity Fund	ICICI Prudential Balanced Advantage Fund	Aditya Birla Sun Life Balanced Advantage Fund
Point 1	Bottom quartile AUM (₹3,810 Cr).	Highest AUM (₹69,868 Cr).	Lower mid AUM (₹8,800 Cr).
Point 2	Established history (8+ yrs).	Established history (19+ yrs).	Oldest track record among peers (25 yrs).
Point 3	Not Rated.	Top rated.	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 11.78% (lower mid).	5Y return: 12.93% (upper mid).	5Y return: 11.50% (bottom quartile).
Point 6	3Y return: 14.80% (upper mid).	3Y return: 13.85% (lower mid).	3Y return: 13.29% (bottom quartile).
Point 7	1Y return: 6.29% (bottom quartile).	1Y return: 11.66% (upper mid).	1Y return: 9.76% (lower mid).
Point 8	1M return: 0.83% (bottom quartile).	1M return: 0.98% (upper mid).	1M return: 0.97% (lower mid).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.07 (bottom quartile).	Sharpe: 0.82 (upper mid).	Sharpe: 0.34 (lower mid).

Axis Dynamic Equity Fund

Bottom quartile AUM (₹3,810 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.78% (lower mid).
3Y return: 14.80% (upper mid).
1Y return: 6.29% (bottom quartile).
1M return: 0.83% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.07 (bottom quartile).

ICICI Prudential Balanced Advantage Fund

Highest AUM (₹69,868 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.93% (upper mid).
3Y return: 13.85% (lower mid).
1Y return: 11.66% (upper mid).
1M return: 0.98% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.82 (upper mid).

Aditya Birla Sun Life Balanced Advantage Fund

Lower mid AUM (₹8,800 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.50% (bottom quartile).
3Y return: 13.29% (bottom quartile).
1Y return: 9.76% (lower mid).
1M return: 0.97% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.34 (lower mid).

అత్యుత్తమ పనితీరు ఈక్విటీ సేవింగ్స్ ఫండ్స్

ఈ పథకం ఈక్విటీ, ఆర్బిట్రేజ్ మరియు డెట్‌లో పెట్టుబడి పెడుతుంది. ఈక్విటీ పొదుపు మొత్తం ఆస్తులలో కనీసం 65 శాతం స్టాక్‌లలో మరియు కనీసం 10 శాతం రుణంలో పెట్టుబడి పెడుతుంది. పథకం సమాచార పత్రంలో కనీస హెడ్జ్డ్ మరియు అన్‌హెడ్జ్డ్ ఇన్వెస్ట్‌మెంట్‌లను స్కీమ్ పేర్కొంటుంది.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Kotak Equity Savings Fund Growth	₹27.3432 ↑ 0.04	₹9,422	2.6	4.7	7.5	11.7	10.7	7.9
SBI Equity Savings Fund Growth	₹24.457 ↑ 0.03	₹5,997	2.2	1.4	4.9	11.4	9.7	5
Edelweiss Equity Savings Fund Growth	₹26.1869 ↑ 0.06	₹1,106	2.3	3.7	7.6	11.4	9.8	8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Jan 26

Research Highlights & Commentary of 3 Funds showcased

Commentary	Kotak Equity Savings Fund	SBI Equity Savings Fund	Edelweiss Equity Savings Fund
Point 1	Highest AUM (₹9,422 Cr).	Lower mid AUM (₹5,997 Cr).	Bottom quartile AUM (₹1,106 Cr).
Point 2	Oldest track record among peers (11 yrs).	Established history (10+ yrs).	Established history (11+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 10.65% (upper mid).	5Y return: 9.72% (bottom quartile).	5Y return: 9.82% (lower mid).
Point 6	3Y return: 11.73% (upper mid).	3Y return: 11.42% (lower mid).	3Y return: 11.41% (bottom quartile).
Point 7	1Y return: 7.51% (lower mid).	1Y return: 4.86% (bottom quartile).	1Y return: 7.60% (upper mid).
Point 8	1M return: 0.45% (lower mid).	1M return: 0.08% (bottom quartile).	1M return: 0.91% (upper mid).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.17 (lower mid).	Sharpe: -0.05 (bottom quartile).	Sharpe: 0.72 (upper mid).

Kotak Equity Savings Fund

Highest AUM (₹9,422 Cr).
Oldest track record among peers (11 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.65% (upper mid).
3Y return: 11.73% (upper mid).
1Y return: 7.51% (lower mid).
1M return: 0.45% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.17 (lower mid).

SBI Equity Savings Fund

Lower mid AUM (₹5,997 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 9.72% (bottom quartile).
3Y return: 11.42% (lower mid).
1Y return: 4.86% (bottom quartile).
1M return: 0.08% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.05 (bottom quartile).

Edelweiss Equity Savings Fund

Bottom quartile AUM (₹1,106 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 9.82% (lower mid).
3Y return: 11.41% (bottom quartile).
1Y return: 7.60% (upper mid).
1M return: 0.91% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.72 (upper mid).

అత్యుత్తమ పనితీరు కనబరుస్తున్న బహుళ అసెట్ కేటాయింపు నిధులు

ఈ పథకం మూడు అసెట్ క్లాస్‌లలో పెట్టుబడి పెట్టవచ్చు, అంటే వారు ఈక్విటీ మరియు డెట్ కాకుండా అదనపు అసెట్ క్లాస్‌లో పెట్టుబడి పెట్టవచ్చు. ఫండ్ ప్రతి అసెట్ క్లాస్‌లో కనీసం 10 శాతం పెట్టుబడి పెట్టాలి. విదేశీ సెక్యూరిటీలు ప్రత్యేక ఆస్తి తరగతిగా పరిగణించబడవు.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Multi Asset Fund Growth	₹79.6601 ↑ 0.48	₹6,551	6.3	6.4	9.7	20.1	15.1	11.1
ICICI Prudential Multi-Asset Fund Growth	₹819.803 ↓ -0.78	₹75,067	5.1	7.7	18	19.5	21.8	18.6
SBI Multi Asset Allocation Fund Growth	₹65.7702 ↑ 0.32	₹12,466	7.4	10	18.2	18.4	14.8	18.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Jan 26

Research Highlights & Commentary of 3 Funds showcased

Commentary	UTI Multi Asset Fund	ICICI Prudential Multi-Asset Fund	SBI Multi Asset Allocation Fund
Point 1	Bottom quartile AUM (₹6,551 Cr).	Highest AUM (₹75,067 Cr).	Lower mid AUM (₹12,466 Cr).
Point 2	Established history (17+ yrs).	Oldest track record among peers (23 yrs).	Established history (20+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 15.11% (lower mid).	5Y return: 21.79% (upper mid).	5Y return: 14.80% (bottom quartile).
Point 6	3Y return: 20.06% (upper mid).	3Y return: 19.55% (lower mid).	3Y return: 18.44% (bottom quartile).
Point 7	1Y return: 9.73% (bottom quartile).	1Y return: 18.04% (lower mid).	1Y return: 18.25% (upper mid).
Point 8	1M return: 0.81% (bottom quartile).	1M return: 0.85% (lower mid).	1M return: 2.41% (upper mid).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.48 (bottom quartile).	Sharpe: 1.32 (upper mid).	Sharpe: 1.17 (lower mid).

UTI Multi Asset Fund

Bottom quartile AUM (₹6,551 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.11% (lower mid).
3Y return: 20.06% (upper mid).
1Y return: 9.73% (bottom quartile).
1M return: 0.81% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.48 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹75,067 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.79% (upper mid).
3Y return: 19.55% (lower mid).
1Y return: 18.04% (lower mid).
1M return: 0.85% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.32 (upper mid).

SBI Multi Asset Allocation Fund

Lower mid AUM (₹12,466 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 14.80% (bottom quartile).
3Y return: 18.44% (bottom quartile).
1Y return: 18.25% (upper mid).
1M return: 2.41% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.17 (lower mid).

* దిగువన ఉన్న హైబ్రిడ్ ఫండ్‌ల జాబితా ఉందిAUM >= 200 కోట్లు & క్రమబద్ధీకరించబడింది3 సంవత్సరంCAGR తిరిగి.

1. UTI Multi Asset Fund

(Erstwhile UTI Wealth Builder Fund)

The objective of the Scheme is to achieve long term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related instruments along with investments in Gold ETFs and Debt and Money Market Instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for UTI Multi Asset Fund

Lower mid AUM (₹6,551 Cr).
Established history (17+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.11% (lower mid).
3Y return: 20.06% (top quartile).
1Y return: 9.73% (upper mid).
1M return: 0.81% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.48 (upper mid).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Top bond sector: Government.
Equity-heavy allocation (~68%).
High-quality debt (AAA/AA ~100%).
Largest holding UTI Gold ETF (~12.3%).

Below is the key information for UTI Multi Asset Fund

UTI Multi Asset Fund Growth
Launch Date	21 Oct 08
NAV (02 Jan 26)	₹79.6601 ↑ 0.48 (0.61 %)
Net Assets (Cr)	₹6,551 on 30 Nov 25
Category	Hybrid - Multi Asset
AMC	UTI Asset Management Company Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	1.79
Sharpe Ratio	0.48
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹11,180
31 Dec 22	₹11,673
31 Dec 23	₹15,076
31 Dec 24	₹18,198
31 Dec 25	₹20,215

UTI Multi Asset Fund SIP Returns

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

Returns for UTI Multi Asset Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26

Duration	Returns
1 Month	0.8%
3 Month	6.3%
6 Month	6.4%
1 Year	9.7%
3 Year	20.1%
5 Year	15.1%
10 Year
15 Year
Since launch	12.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.1%
2023	20.7%
2022	29.1%
2021	4.4%
2020	11.8%
2019	13.1%
2018	3.9%
2017	-0.5%
2016	17.1%
2015	7.3%

Fund Manager information for UTI Multi Asset Fund

Name	Since	Tenure
Sharwan Kumar Goyal	12 Nov 21	4.05 Yr.
Jaydeep Bhowal	1 Oct 24	1.17 Yr.

Data below for UTI Multi Asset Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	7.73%
Equity	68.27%
Debt	11.82%
Other	12.18%

Equity Sector Allocation

Sector	Value
Financial Services	16.04%
Technology	11.92%
Consumer Defensive	9.37%
Consumer Cyclical	7.68%
Basic Materials	6.16%
Industrials	5.61%
Health Care	4.33%
Energy	3.13%
Communication Services	3.08%
Real Estate	3%

Debt Sector Allocation

Sector	Value
Government	9.04%
Cash Equivalent	7.72%
Corporate	2.79%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
UTI Gold ETF - \| -	12%	₹805 Cr	76,018,936
Infosys Ltd (Technology) Equity, Since 31 Mar 24 \| INFY	3%	₹177 Cr	1,132,192 ↑ 115,255
ITC Ltd (Consumer Defensive) Equity, Since 31 Oct 22 \| ITC	3%	₹172 Cr	4,253,690 ↑ 83,865
Asian Paints Ltd (Basic Materials) Equity, Since 31 Oct 24 \| ASIANPAINT	2%	₹151 Cr	524,991 ↑ 28,672
State Bank of India (Financial Services) Equity, Since 31 Oct 25 \| SBIN	2%	₹149 Cr	1,519,927 ↑ 157,362
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 24 \| BHARTIARTL	2%	₹142 Cr	677,566 ↓ -10,759
Nestle India Ltd (Consumer Defensive) Equity, Since 29 Feb 24 \| NESTLEIND	2%	₹141 Cr	1,119,520 ↑ 73,323
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| HDFCBANK	2%	₹137 Cr	1,364,459 ↓ -4,163
Tata Consultancy Services Ltd (Technology) Equity, Since 29 Feb 24 \| TCS	2%	₹135 Cr	431,841
Coal India Ltd (Energy) Equity, Since 31 Oct 22 \| COALINDIA	2%	₹126 Cr	3,341,545 ↑ 606,406

2. ICICI Prudential Multi-Asset Fund

(Erstwhile ICICI Prudential Dynamic Plan)

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

Research Highlights for ICICI Prudential Multi-Asset Fund

Highest AUM (₹75,067 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.79% (top quartile).
3Y return: 19.55% (top quartile).
1Y return: 18.04% (upper mid).
1M return: 0.85% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.32 (top quartile).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
High-quality debt (AAA/AA ~76%).
Largest holding ICICI Pru Gold ETF (~4.5%).

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

ICICI Prudential Multi-Asset Fund Growth
Launch Date	31 Oct 02
NAV (01 Jan 26)	₹819.803 ↓ -0.78 (-0.09 %)
Net Assets (Cr)	₹75,067 on 30 Nov 25
Category	Hybrid - Multi Asset
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.47
Sharpe Ratio	1.32
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹13,472
31 Dec 22	₹15,742
31 Dec 23	₹19,543
31 Dec 24	₹22,698
31 Dec 25	₹26,920

ICICI Prudential Multi-Asset Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for ICICI Prudential Multi-Asset Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26

Duration	Returns
1 Month	0.9%
3 Month	5.1%
6 Month	7.7%
1 Year	18%
3 Year	19.5%
5 Year	21.8%
10 Year
15 Year
Since launch	20.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.6%
2023	16.1%
2022	24.1%
2021	16.8%
2020	34.7%
2019	9.9%
2018	7.7%
2017	-2.2%
2016	28.2%
2015	12.5%

Fund Manager information for ICICI Prudential Multi-Asset Fund

Name	Since	Tenure
Sankaran Naren	1 Feb 12	13.84 Yr.
Manish Banthia	22 Jan 24	1.86 Yr.
Ihab Dalwai	3 Jun 17	8.5 Yr.
Akhil Kakkar	22 Jan 24	1.86 Yr.
Sri Sharma	30 Apr 21	4.59 Yr.
Gaurav Chikane	2 Aug 21	4.33 Yr.
Sharmila D'Silva	31 Jul 22	3.34 Yr.
Masoomi Jhurmarvala	4 Nov 24	1.07 Yr.

Data below for ICICI Prudential Multi-Asset Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	19.54%
Equity	63.86%
Debt	6.49%
Other	10.1%

Equity Sector Allocation

Sector	Value
Financial Services	21.31%
Consumer Cyclical	10.79%
Basic Materials	6.83%
Technology	6.16%
Industrials	6.01%
Consumer Defensive	5.83%
Energy	5.05%
Health Care	4.34%
Communication Services	2.3%
Utility	2.04%
Real Estate	1.55%

Debt Sector Allocation

Sector	Value
Cash Equivalent	15.4%
Government	5.5%
Corporate	5.14%

Credit Quality

Rating	Value
A	0.92%
AA	12.4%
AAA	63.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Pru Gold ETF - \| -	4%	₹3,375 Cr	312,260,882 ↑ 87,670,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 06 \| ICICIBANK	4%	₹3,232 Cr	23,271,875 ↑ 4,678,970
Future on Gold - \| -	3%	₹2,499 Cr	1,930 ↑ 1,930
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 20 \| RELIANCE	3%	₹2,406 Cr	15,349,805 ↓ -463,500
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 22 \| HDFCBANK	3%	₹2,337 Cr	23,194,083 ↑ 4,691,719
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| AXISBANK	3%	₹2,262 Cr	17,676,017 ↓ -176,250
Infosys Ltd (Technology) Equity, Since 31 Oct 19 \| INFY	3%	₹1,915 Cr	12,274,873 ↑ 265,660
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Aug 21 \| MARUTI	2%	₹1,618 Cr	1,017,654 ↑ 64,924
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services) Equity, Since 30 Nov 22 \| SBICARD	2%	₹1,548 Cr	17,583,581 ↑ 2,254,215
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 19 \| LT	2%	₹1,404 Cr	3,450,617

3. ICICI Prudential Equity and Debt Fund

(Erstwhile ICICI Prudential Balanced Fund)

To generate long term capital appreciation and current income from a portfolio that is invested in equity and equity related securities as well as in fixed income securities.

Research Highlights for ICICI Prudential Equity and Debt Fund

Top quartile AUM (₹49,223 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 22.07% (top quartile).
3Y return: 19.50% (upper mid).
1Y return: 12.42% (upper mid).
1M return: 0.64% (bottom quartile).
Alpha: 4.08 (top quartile).
Sharpe: 0.65 (upper mid).
Information ratio: 1.95 (top quartile).
Top sector: Financial Services.
Top bond sector: Corporate.
Equity-heavy allocation (~77%).
High-quality debt (AAA/AA ~67%).
Largest holding ICICI Bank Ltd (~6.5%).

Below is the key information for ICICI Prudential Equity and Debt Fund

ICICI Prudential Equity and Debt Fund Growth
Launch Date	3 Nov 99
NAV (02 Jan 26)	₹414.8 ↑ 3.14 (0.76 %)
Net Assets (Cr)	₹49,223 on 30 Nov 25
Category	Hybrid - Hybrid Equity
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.6
Sharpe Ratio	0.65
Information Ratio	1.95
Alpha Ratio	4.08
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹14,170
31 Dec 22	₹15,828
31 Dec 23	₹20,298
31 Dec 24	₹23,784
31 Dec 25	₹26,951

ICICI Prudential Equity and Debt Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 Invest Now

Returns for ICICI Prudential Equity and 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 2 Jan 26

Duration	Returns
1 Month	0.6%
3 Month	3.9%
6 Month	5.3%
1 Year	12.4%
3 Year	19.5%
5 Year	22.1%
10 Year
15 Year
Since launch	15.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	13.3%
2023	17.2%
2022	28.2%
2021	11.7%
2020	41.7%
2019	9%
2018	9.3%
2017	-1.9%
2016	24.8%
2015	13.7%

Fund Manager information for ICICI Prudential Equity and Debt Fund

Name	Since	Tenure
Sankaran Naren	7 Dec 15	9.99 Yr.
Manish Banthia	19 Sep 13	12.21 Yr.
Mittul Kalawadia	29 Dec 20	4.93 Yr.
Akhil Kakkar	22 Jan 24	1.86 Yr.
Sri Sharma	30 Apr 21	4.59 Yr.
Sharmila D'Silva	31 Jul 22	3.34 Yr.
Nitya Mishra	4 Nov 24	1.07 Yr.

Data below for ICICI Prudential Equity and Debt Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	10.3%
Equity	77.07%
Debt	12.59%

Equity Sector Allocation

Sector	Value
Financial Services	19.31%
Consumer Cyclical	11.35%
Energy	8.18%
Health Care	7.17%
Technology	6.03%
Industrials	5.98%
Consumer Defensive	5.8%
Utility	5.35%
Real Estate	2.89%
Basic Materials	2.53%
Communication Services	2.23%

Debt Sector Allocation

Sector	Value
Corporate	8.78%
Cash Equivalent	7.26%
Government	6.89%

Credit Quality

Rating	Value
A	1.15%
AA	12.4%
AAA	54.29%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 12 \| ICICIBANK	6%	₹3,189 Cr	22,962,853
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 22 \| RELIANCE	6%	₹2,907 Cr	18,543,909
NTPC Ltd (Utilities) Equity, Since 28 Feb 17 \| NTPC	5%	₹2,493 Cr	76,360,769 ↑ 285,854
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 May 16 \| SUNPHARMA	5%	₹2,468 Cr	13,476,970
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| HDFCBANK	4%	₹2,189 Cr	21,722,693
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 21 \| AXISBANK	3%	₹1,466 Cr	11,459,322
TVS Motor Co Ltd (Consumer Cyclical) Equity, Since 28 Feb 18 \| TVSMOTOR	3%	₹1,417 Cr	4,012,393
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| MARUTI	3%	₹1,339 Cr	842,167
Infosys Ltd (Technology) Equity, Since 30 Jun 16 \| INFY	3%	₹1,270 Cr	8,138,013
Avenue Supermarts Ltd (Consumer Defensive) Equity, Since 31 Jan 23 \| DMART	3%	₹1,267 Cr	3,170,463 ↑ 207,683

4. BOI AXA Mid and Small Cap Equity and Debt Fund

(Erstwhile BOI AXA Mid Cap Equity And Debt Fund)

The scheme's objective is to provide capital appreciation and income distribution to investors from a portfolio constituting of mid cap equity and equity related securities as well as fixed income securities.However there can be no assurance that the investment objectives of the Scheme will be realized

Research Highlights for BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,321 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.65% (upper mid).
3Y return: 18.45% (upper mid).
1Y return: -1.62% (bottom quartile).
1M return: 2.29% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.30 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Top bond sector: Government.
Equity-heavy allocation (~74%).
High-quality debt (AAA/AA ~100%).
Largest holding Indian Bank (~3.3%).

Below is the key information for BOI AXA Mid and Small Cap Equity and Debt Fund

BOI AXA Mid and Small Cap Equity and Debt Fund Growth
Launch Date	20 Jul 16
NAV (02 Jan 26)	₹38.86 ↑ 0.25 (0.65 %)
Net Assets (Cr)	₹1,321 on 30 Nov 25
Category	Hybrid - Hybrid Equity
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.27
Sharpe Ratio	-0.3
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹15,448
31 Dec 22	₹14,711
31 Dec 23	₹19,670
31 Dec 24	₹24,743
31 Dec 25	₹24,514

BOI AXA Mid and Small Cap Equity and Debt Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for BOI AXA Mid and Small Cap Equity and 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 2 Jan 26

Duration	Returns
1 Month	2.3%
3 Month	2.9%
6 Month	0.3%
1 Year	-1.6%
3 Year	18.5%
5 Year	19.6%
10 Year
15 Year
Since launch	15.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-0.9%
2023	25.8%
2022	33.7%
2021	-4.8%
2020	54.5%
2019	31.1%
2018	-4.7%
2017	-14.2%
2016	47.1%
2015

Fund Manager information for BOI AXA Mid and Small Cap Equity and Debt Fund

Name	Since	Tenure
Alok Singh	16 Feb 17	8.79 Yr.

Data below for BOI AXA Mid and Small Cap Equity and Debt Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	12.44%
Equity	74.27%
Debt	13.3%

Equity Sector Allocation

Sector	Value
Financial Services	16.12%
Basic Materials	15.86%
Industrials	13.49%
Consumer Cyclical	9.03%
Health Care	8.2%
Technology	5.66%
Consumer Defensive	3.9%
Utility	0.9%
Real Estate	0.62%
Energy	0.5%

Debt Sector Allocation

Sector	Value
Government	10.43%
Cash Equivalent	8.36%
Corporate	6.94%

Credit Quality

Rating	Value
AA	1.44%
AAA	98.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Bank (Financial Services) Equity, Since 31 Aug 23 \| INDIANB	3%	₹44 Cr	505,000
Jindal Stainless Ltd (Basic Materials) Equity, Since 30 Sep 21 \| JSL	3%	₹44 Cr	566,000
UNO Minda Ltd (Consumer Cyclical) Equity, Since 31 Jul 19 \| UNOMINDA	3%	₹41 Cr	314,000
Housing & Urban Development Corp Ltd (Financial Services) Equity, Since 31 May 24 \| HUDCO	3%	₹38 Cr	1,580,000
Hindustan Copper Ltd (Basic Materials) Equity, Since 31 Oct 24 \| 513599	3%	₹34 Cr	1,050,000
PB Fintech Ltd (Financial Services) Equity, Since 29 Feb 24 \| 543390	2%	₹33 Cr	180,000
Eris Lifesciences Ltd Registered Shs (Healthcare) Equity, Since 31 Jul 23 \| ERIS	2%	₹32 Cr	202,783 ↑ 7,783
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 24 \| BDL	2%	₹30 Cr	196,000
TD Power Systems Ltd (Industrials) Equity, Since 31 Jul 24 \| TDPOWERSYS	2%	₹30 Cr	380,000
Glenmark Pharmaceuticals Ltd (Healthcare) Equity, Since 31 Jul 25 \| GLENMARK	2%	₹29 Cr	150,000

5. SBI Multi Asset Allocation Fund

(Erstwhile SBI Magnum Monthly Income Plan Floater)

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

Research Highlights for SBI Multi Asset Allocation Fund

Upper mid AUM (₹12,466 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
5Y return: 14.80% (bottom quartile).
3Y return: 18.44% (upper mid).
1Y return: 18.25% (top quartile).
1M return: 2.41% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.17 (upper mid).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
High-quality debt (AAA/AA ~98%).
Largest holding SBI Silver ETF (~6.7%).

Below is the key information for SBI Multi Asset Allocation Fund

SBI Multi Asset Allocation Fund Growth
Launch Date	21 Dec 05
NAV (02 Jan 26)	₹65.7702 ↑ 0.32 (0.49 %)
Net Assets (Cr)	₹12,466 on 15 Dec 25
Category	Hybrid - Multi Asset
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.46
Sharpe Ratio	1.17
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹11,302
31 Dec 22	₹11,977
31 Dec 23	₹14,897
31 Dec 24	₹16,803
31 Dec 25	₹19,924

SBI Multi Asset Allocation Fund SIP Returns

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

Returns for SBI Multi Asset Allocation Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26

Duration	Returns
1 Month	2.4%
3 Month	7.4%
6 Month	10%
1 Year	18.2%
3 Year	18.4%
5 Year	14.8%
10 Year
15 Year
Since launch	9.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.6%
2023	12.8%
2022	24.4%
2021	6%
2020	13%
2019	14.2%
2018	10.6%
2017	0.4%
2016	10.9%
2015	8.7%

Fund Manager information for SBI Multi Asset Allocation Fund

Name	Since	Tenure
Dinesh Balachandran	31 Oct 21	4.09 Yr.
Mansi Sajeja	1 Dec 23	2 Yr.
Vandna Soni	1 Jan 24	1.92 Yr.

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

Asset Allocation

Asset Class	Value
Cash	10.3%
Equity	46.93%
Debt	32.36%
Other	10.41%

Equity Sector Allocation

Sector	Value
Financial Services	14.22%
Real Estate	6.48%
Consumer Cyclical	5.9%
Energy	3.97%
Technology	3.83%
Basic Materials	3.74%
Consumer Defensive	3.35%
Industrials	2.32%
Utility	1.69%
Health Care	1.11%
Communication Services	0.33%

Debt Sector Allocation

Sector	Value
Corporate	24.41%
Cash Equivalent	9.53%
Government	8.72%

Credit Quality

Rating	Value
A	2.23%
AA	51.08%
AAA	46.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Silver ETF - \| -	7%	₹840 Cr	44,296,178 ↓ -4,000,000
Brookfield India Real Estate Trust (Real Estate) -, Since 30 Apr 25 \| 543261	4%	₹498 Cr	15,164,234 ↑ 7,500,000
SBI Gold ETF - \| -	3%	₹426 Cr	37,241,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	3%	₹339 Cr	35,000,000
6.48% Govt Stock 2035 Sovereign Bonds \| -	2%	₹298 Cr	30,000,000 ↑ 30,000,000
Reliance Industries Ltd (Energy) Equity, Since 15 Sep 24 \| RELIANCE	2%	₹268 Cr	1,720,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 22 \| HDFCBANK	2%	₹265 Cr	2,662,000
Jtpm Metal TRaders Limited Debentures \| -	2%	₹257 Cr	25,000
PB Fintech Ltd (Financial Services) Equity, Since 31 Jul 25 \| 543390	2%	₹236 Cr	1,222,500
Embassy Office Parks REIT (Real Estate) -, Since 30 Apr 25 \| 542602	2%	₹216 Cr	4,900,000

6. JM Equity Hybrid Fund

(Erstwhile JM Balanced Fund)

To provide steady current income as well as long term growth of capital.

Research Highlights for JM Equity Hybrid Fund

Bottom quartile AUM (₹811 Cr).
Established history (30+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.96% (upper mid).
3Y return: 17.94% (lower mid).
1Y return: -3.50% (bottom quartile).
1M return: -1.04% (bottom quartile).
Alpha: -9.12 (bottom quartile).
Sharpe: -0.55 (bottom quartile).
Information ratio: 0.79 (upper mid).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Equity-heavy allocation (~76%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~4.3%).

Below is the key information for JM Equity Hybrid Fund

JM Equity Hybrid Fund Growth
Launch Date	1 Apr 95
NAV (02 Jan 26)	₹120.511 ↑ 0.88 (0.73 %)
Net Assets (Cr)	₹811 on 30 Nov 25
Category	Hybrid - Hybrid Equity
AMC	JM Financial Asset Management Limited
Rating	☆
Risk	Moderately High
Expense Ratio	2.3
Sharpe Ratio	-0.55
Information Ratio	0.79
Alpha Ratio	-9.12
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-60 Days (1%),60 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹12,294
31 Dec 22	₹13,284
31 Dec 23	₹17,781
31 Dec 24	₹22,579
31 Dec 25	₹21,874

JM Equity Hybrid Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for JM Equity Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26

Duration	Returns
1 Month	-1%
3 Month	0.8%
6 Month	-1.9%
1 Year	-3.5%
3 Year	17.9%
5 Year	17%
10 Year
15 Year
Since launch	12.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-3.1%
2023	27%
2022	33.8%
2021	8.1%
2020	22.9%
2019	30.5%
2018	-8.1%
2017	1.7%
2016	18.5%
2015	3%

Fund Manager information for JM Equity Hybrid Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	1.17 Yr.
Asit Bhandarkar	31 Dec 21	3.92 Yr.
Ruchi Fozdar	4 Oct 24	1.16 Yr.
Deepak Gupta	11 Apr 25	0.64 Yr.

Data below for JM Equity Hybrid Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	0.64%
Equity	76.46%
Debt	22.89%

Equity Sector Allocation

Sector	Value
Financial Services	24.23%
Technology	15.93%
Industrials	14.08%
Consumer Cyclical	8.66%
Basic Materials	5.56%
Communication Services	3.76%
Health Care	3.14%
Consumer Defensive	1.1%

Debt Sector Allocation

Sector	Value
Corporate	12.59%
Government	10.31%
Cash Equivalent	0.64%

Credit Quality

Rating	Value
AA	8.7%
AAA	91.3%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 24 \| HDFCBANK	4%	₹35 Cr	350,000
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 31 Jan 25 \| UJJIVANSFB	4%	₹33 Cr	5,974,365 ↑ 23,500
Larsen & Toubro Ltd (Industrials) Equity, Since 31 May 21 \| LT	4%	₹32 Cr	78,000 ↑ 10,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 24 \| BHARTIARTL	4%	₹31 Cr	145,246
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 May 25 \| MCX	4%	₹30 Cr	29,676 ↓ -1,000
Coforge Ltd (Technology) Equity, Since 31 May 25 \| COFORGE	4%	₹28 Cr	149,000 ↑ 44,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| BAJFINANCE	3%	₹27 Cr	265,040 ↓ -10,000
Waaree Energies Ltd (Technology) Equity, Since 31 May 25 \| 544277	3%	₹24 Cr	77,000
6.48% Govt Stock 2035 Sovereign Bonds \| -	3%	₹23 Cr	2,275,000 ↑ 200,000
One97 Communications Ltd (Technology) Equity, Since 30 Jun 25 \| 543396	3%	₹22 Cr	170,000

7. Edelweiss Multi Asset Allocation Fund

(Erstwhile Edelweiss Prudent Advantage Fund)

The objective of the Scheme is to generate returns through capital appreciation by investing in diversified portfolio of equity and equity-related securities, fixed income instruments and Gold Exchange Traded Funds. However, there is no assurance that the investment objective of the Scheme will be realized.

Research Highlights for Edelweiss Multi Asset Allocation Fund

Lower mid AUM (₹3,413 Cr).
Established history (16+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.51% (lower mid).
3Y return: 16.98% (lower mid).
1Y return: 5.00% (bottom quartile).
1M return: 0.99% (upper mid).
Alpha: -0.39 (lower mid).
Sharpe: 0.15 (lower mid).
Information ratio: 1.33 (upper mid).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~78%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~5.6%).

Below is the key information for Edelweiss Multi Asset Allocation Fund

Edelweiss Multi Asset Allocation Fund Growth
Launch Date	12 Aug 09
NAV (02 Jan 26)	₹65.48 ↑ 0.41 (0.63 %)
Net Assets (Cr)	₹3,413 on 30 Nov 25
Category	Hybrid - Multi Asset
AMC	Edelweiss Asset Management Limited
Rating	☆
Risk	Moderately High
Expense Ratio	1.98
Sharpe Ratio	0.15
Information Ratio	1.33
Alpha Ratio	-0.39
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹12,709
31 Dec 22	₹13,386
31 Dec 23	₹16,788
31 Dec 24	₹20,174
31 Dec 25	₹21,377

Edelweiss Multi Asset Allocation Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for Edelweiss Multi Asset Allocation Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26

Duration	Returns
1 Month	1%
3 Month	3.1%
6 Month	1.8%
1 Year	5%
3 Year	17%
5 Year	16.5%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6%
2023	20.2%
2022	25.4%
2021	5.3%
2020	27.1%
2019	12.7%
2018	10.4%
2017	-0.1%
2016	26.1%
2015	0.2%

Fund Manager information for Edelweiss Multi Asset Allocation Fund

Name	Since	Tenure
Dhawal Dalal	22 Sep 25	0.19 Yr.
Bhavesh Jain	14 Oct 15	10.14 Yr.
Bharat Lahoti	1 Oct 21	4.17 Yr.
Rahul Dedhia	1 Jul 24	1.42 Yr.
Pranavi Kulkarni	1 Aug 24	1.33 Yr.

Data below for Edelweiss Multi Asset Allocation Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	13.65%
Equity	78.09%
Debt	8.25%

Equity Sector Allocation

Sector	Value
Financial Services	25.2%
Consumer Cyclical	10.45%
Health Care	7.7%
Technology	6.28%
Industrials	5.7%
Basic Materials	5.6%
Communication Services	4.59%
Energy	4.16%
Consumer Defensive	3.57%
Utility	2.75%
Real Estate	0.89%

Debt Sector Allocation

Sector	Value
Cash Equivalent	13.65%
Corporate	7.63%
Government	0.63%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 15 \| ICICIBANK	6%	₹191 Cr	1,373,985
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 15 \| HDFCBANK	5%	₹158 Cr	1,569,936
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹140 Cr	14,000,000 ↓ -5,000,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 19 \| BHARTIARTL	4%	₹123 Cr	583,607 ↑ 87,753
State Bank of India (Financial Services) Equity, Since 30 Jun 15 \| SBIN	3%	₹109 Cr	1,116,240 ↑ 262,526
Infosys Ltd (Technology) Equity, Since 31 May 15 \| INFY	3%	₹96 Cr	616,103
Reliance Industries Ltd (Energy) Equity, Since 31 Aug 20 \| RELIANCE	3%	₹94 Cr	601,184 ↑ 122,156
NTPC Ltd (Utilities) Equity, Since 30 Nov 21 \| NTPC	2%	₹82 Cr	2,497,975 ↑ 544,402
Aditya Birla Capital Limited Debentures \| -	2%	₹76 Cr	7,500,000
Hdb Financial Services Limited Debentures \| -	2%	₹76 Cr	7,500,000

8. UTI Hybrid Equity Fund

(Erstwhile UTI Balanced Fund)

The scheme aims to invest in a portfolio of equity/equity related securities and fixed income securities (debt and money market securities) with a view to generating regular income together with capital appreciation.

Research Highlights for UTI Hybrid Equity Fund

Upper mid AUM (₹6,718 Cr).
Oldest track record among peers (31 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.15% (upper mid).
3Y return: 16.97% (lower mid).
1Y return: 5.68% (lower mid).
1M return: 1.31% (upper mid).
Alpha: -1.95 (bottom quartile).
Sharpe: 0.00 (bottom quartile).
Information ratio: 1.42 (top quartile).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Equity-heavy allocation (~73%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~6.0%).

Below is the key information for UTI Hybrid Equity Fund

UTI Hybrid Equity Fund Growth
Launch Date	2 Jan 95
NAV (02 Jan 26)	₹422.167 ↑ 2.30 (0.55 %)
Net Assets (Cr)	₹6,718 on 30 Nov 25
Category	Hybrid - Hybrid Equity
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.88
Sharpe Ratio	0
Information Ratio	1.42
Alpha Ratio	-1.95
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹13,047
31 Dec 22	₹13,783
31 Dec 23	₹17,291
31 Dec 24	₹20,696
31 Dec 25	₹22,025

UTI Hybrid Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for UTI Hybrid Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26

Duration	Returns
1 Month	1.3%
3 Month	5.5%
6 Month	3.3%
1 Year	5.7%
3 Year	17%
5 Year	17.2%
10 Year
15 Year
Since launch	15%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.4%
2023	19.7%
2022	25.5%
2021	5.6%
2020	30.5%
2019	13.2%
2018	2.5%
2017	-5.6%
2016	25.7%
2015	8.8%

Fund Manager information for UTI Hybrid Equity Fund

Name	Since	Tenure
V Srivatsa	24 Sep 09	16.2 Yr.
Sunil Patil	5 Feb 18	7.82 Yr.
Jaydeep Bhowal	3 Nov 25	0.08 Yr.

Data below for UTI Hybrid Equity Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	1.73%
Equity	72.96%
Debt	25.31%

Equity Sector Allocation

Sector	Value
Financial Services	21.59%
Technology	8.04%
Consumer Cyclical	7.64%
Industrials	6.73%
Energy	6.16%
Consumer Defensive	5.07%
Basic Materials	4.97%
Communication Services	4.33%
Health Care	4.25%
Real Estate	2.71%
Utility	1.46%

Debt Sector Allocation

Sector	Value
Government	18.68%
Corporate	6.4%
Cash Equivalent	1.96%

Credit Quality

Rating	Value
AA	0.47%
AAA	99.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 29 Feb 20 \| HDFCBANK	6%	₹406 Cr	4,027,946
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 10 \| ICICIBANK	5%	₹308 Cr	2,218,644 ↓ -40,000
Infosys Ltd (Technology) Equity, Since 31 Mar 06 \| INFY	4%	₹270 Cr	1,729,346 ↑ 30,000
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 19 \| RELIANCE	3%	₹222 Cr	1,418,588
ITC Ltd (Consumer Defensive) Equity, Since 31 Aug 06 \| ITC	3%	₹198 Cr	4,904,969
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 12 \| LT	2%	₹152 Cr	374,309
Vedanta Ltd (Basic Materials) Equity, Since 30 Apr 24 \| VEDL	2%	₹141 Cr	2,675,574 ↓ -145,000
Wipro Ltd (Technology) Equity, Since 30 Jun 24 \| WIPRO	2%	₹136 Cr	5,440,657
7.32% Govt Stock 2030 Sovereign Bonds \| -	2%	₹125 Cr	1,200,000,000
7.24% Govt Stock 2055 Sovereign Bonds \| -	2%	₹124 Cr	1,250,000,000 ↑ 250,000,000

9. Bandhan Hybrid Equity Fund

(Erstwhile IDFC Balanced Fund)

The Fund seeks to generate long term capital appreciation along with current income by investing in a mix of equity and equity related securities, debt securities and money market instruments. There is no assurance or guarantee that the objectives of the scheme will be realised.

Research Highlights for Bandhan Hybrid Equity Fund

Bottom quartile AUM (₹1,486 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.28% (lower mid).
3Y return: 16.41% (bottom quartile).
1Y return: 7.16% (lower mid).
1M return: 0.95% (lower mid).
Alpha: 1.21 (upper mid).
Sharpe: 0.26 (lower mid).
Information ratio: 0.59 (lower mid).
Top sector: Financial Services.
Top bond sector: Corporate.
Equity-heavy allocation (~79%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~6.1%).

Below is the key information for Bandhan Hybrid Equity Fund

Bandhan Hybrid Equity Fund Growth
Launch Date	30 Dec 16
NAV (02 Jan 26)	₹27.237 ↑ 0.20 (0.75 %)
Net Assets (Cr)	₹1,486 on 30 Nov 25
Category	Hybrid - Hybrid Equity
AMC	IDFC Asset Management Company Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.35
Sharpe Ratio	0.26
Information Ratio	0.59
Alpha Ratio	1.21
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹13,080
31 Dec 22	₹12,940
31 Dec 23	₹15,579
31 Dec 24	₹18,846
31 Dec 25	₹20,290

Bandhan Hybrid Equity Fund SIP Returns

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

Returns for Bandhan Hybrid Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26

Duration	Returns
1 Month	1%
3 Month	4.4%
6 Month	5.6%
1 Year	7.2%
3 Year	16.4%
5 Year	15.3%
10 Year
15 Year
Since launch	11.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	21%
2022	20.4%
2021	-1.1%
2020	30.8%
2019	13.9%
2018	4.7%
2017	-3.8%
2016	16.2%
2015

Fund Manager information for Bandhan Hybrid Equity Fund

Name	Since	Tenure
Harshal Joshi	28 Jul 21	4.35 Yr.
Brijesh Shah	10 Jun 24	1.48 Yr.
Prateek Poddar	7 Jun 24	1.48 Yr.
Ritika Behera	7 Oct 23	2.15 Yr.
Gaurav Satra	7 Jun 24	1.48 Yr.

Data below for Bandhan Hybrid Equity Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	4.71%
Equity	78.73%
Debt	16.56%

Equity Sector Allocation

Sector	Value
Financial Services	21.31%
Consumer Cyclical	11.34%
Technology	8.73%
Health Care	6.96%
Industrials	6.9%
Basic Materials	4.93%
Energy	4.76%
Consumer Defensive	4.53%
Utility	3.35%
Communication Services	3.14%
Real Estate	2.08%

Debt Sector Allocation

Sector	Value
Corporate	10.05%
Government	6.51%
Cash Equivalent	4.71%

Credit Quality

Rating	Value
AA	6.29%
AAA	93.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 24 \| HDFCBANK	6%	₹91 Cr	904,525 ↑ 193,865
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 20 \| RELIANCE	5%	₹71 Cr	450,846 ↑ 55,780
Bajaj Housing Finance Limited Debentures \| -	4%	₹60 Cr	6,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 24 \| ICICIBANK	4%	₹56 Cr	405,397 ↑ 20,571
Tata Capital Limited Debentures \| -	3%	₹51 Cr	5,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| 543320	3%	₹39 Cr	1,292,674 ↑ 180,619
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	3%	₹38 Cr	389,422 ↑ 21,555
One97 Communications Ltd (Technology) Equity, Since 31 Oct 24 \| 543396	2%	₹36 Cr	276,183 ↑ 18,477
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 17 \| AXISBANK	2%	₹35 Cr	271,430 ↑ 28,744

10. DSP Equity and Bond Fund

Seeks to generate long term capital appreciation and current income from a portfolio constituted of equity and equity related securities as well as fixed income securities.

Research Highlights for DSP Equity and Bond Fund

Upper mid AUM (₹12,105 Cr).
Established history (26+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately High.
5Y return: 13.74% (bottom quartile).
3Y return: 16.34% (bottom quartile).
1Y return: 5.32% (lower mid).
1M return: 0.62% (bottom quartile).
Alpha: -1.73 (bottom quartile).
Sharpe: 0.00 (lower mid).
Information ratio: 0.89 (upper mid).
Higher exposure to Financial Services vs peer median.
Higher exposure to Government (bond sector) vs peer median.
Equity-heavy allocation (~69%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~7.1%).

Below is the key information for DSP Equity and Bond Fund

DSP Equity and Bond Fund Growth
Launch Date	27 May 99
NAV (02 Jan 26)	₹365.682 ↑ 1.41 (0.39 %)
Net Assets (Cr)	₹12,105 on 30 Nov 25
Category	Hybrid - Hybrid Equity
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.76
Sharpe Ratio	0
Information Ratio	0.89
Alpha Ratio	-1.73
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹12,422
31 Dec 22	₹12,084
31 Dec 23	₹15,144
31 Dec 24	₹17,818
31 Dec 25	₹19,024

DSP Equity and Bond Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for DSP Equity and 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 2 Jan 26

Duration	Returns
1 Month	0.6%
3 Month	2.8%
6 Month	1.5%
1 Year	5.3%
3 Year	16.3%
5 Year	13.7%
10 Year
15 Year
Since launch	14.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.8%
2023	17.7%
2022	25.3%
2021	-2.7%
2020	24.2%
2019	17%
2018	14.2%
2017	-5.1%
2016	27.6%
2015	8.3%

Fund Manager information for DSP Equity and Bond Fund

Name	Since	Tenure
Abhishek Singh	1 Mar 24	1.75 Yr.
Shantanu Godambe	1 Aug 24	1.33 Yr.

Data below for DSP Equity and Bond Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	5.78%
Equity	68.86%
Debt	25.35%
Other	0.01%

Equity Sector Allocation

Sector	Value
Financial Services	29.55%
Health Care	8.8%
Consumer Cyclical	8.76%
Consumer Defensive	5.83%
Technology	5.57%
Utility	4.18%
Basic Materials	2.66%
Communication Services	1.37%
Energy	1.35%
Industrials	0.78%

Debt Sector Allocation

Sector	Value
Government	18.68%
Corporate	7.5%
Cash Equivalent	4.96%

Credit Quality

Rating	Value
AA	6.84%
AAA	93.16%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 14 \| HDFCBANK	7%	₹861 Cr	8,541,164
6.9% Govt Stock 2065 Sovereign Bonds \| -	6%	₹686 Cr	72,500,000 ↑ 8,500,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 15 \| ICICIBANK	5%	₹633 Cr	4,555,949 ↑ 673,088
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| M&M	4%	₹495 Cr	1,317,286
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 18 \| AXISBANK	4%	₹491 Cr	3,838,487
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 24 \| KOTAKBANK	4%	₹456 Cr	2,148,818
Infosys Ltd (Technology) Equity, Since 30 Jun 20 \| INFY	4%	₹424 Cr	2,719,040 ↑ 402,812
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 31 Mar 21 \| MOTHERSON	3%	₹370 Cr	31,801,866
ITC Ltd (Consumer Defensive) Equity, Since 31 Mar 24 \| ITC	3%	₹348 Cr	8,602,900
NTPC Ltd (Utilities) Equity, Since 30 Jun 25 \| NTPC	3%	₹334 Cr	10,222,039 ↑ 685,917

11. Sundaram Equity Hybrid Fund

(Erstwhile Sundaram Balanced Fund)

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

Research Highlights for Sundaram Equity Hybrid Fund

Lower mid AUM (₹1,954 Cr).
Established history (25+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.20% (bottom quartile).
3Y return: 16.03% (bottom quartile).
1Y return: 27.10% (top quartile).
1M return: 1.80% (upper mid).
Alpha: 5.81 (top quartile).
Sharpe: 2.64 (top quartile).
Information ratio: -0.12 (bottom quartile).

Below is the key information for Sundaram Equity Hybrid Fund

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

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000

Sundaram Equity Hybrid Fund SIP Returns

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

Returns for Sundaram Equity Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26

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

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Sundaram Equity Hybrid Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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