మీ మొత్తం పెట్టుబడి కోసం Mut ణ మ్యూచువల్ ఫండ్స్

Updated on February 16, 2026 , 2495 views

సాధారణంగా, ఎవరైనా కోరుకున్నప్పుడుమ్యూచువల్ ఫండ్లలో పెట్టుబడి పెట్టండి, వారు ఒక తీసుకోవాలి అని వారు అయోమయంలో ఉన్నారుSIP మార్గం లేదా మొత్తం. మీ కోసం దీన్ని సులభతరం చేద్దాం! డెట్ ఫండ్లలో పెట్టుబడులు పెట్టాలని యోచిస్తున్న పెట్టుబడిదారులు ఆదర్శంగా వన్-టైమ్ చెల్లింపు మోడ్‌ను ఎన్నుకోవాలి, ఇది మొత్తం పెట్టుబడి విధానం. తక్కువ వ్యవధిలో సులభంగా పెట్టుబడి పెట్టడం ఎల్లప్పుడూ తెలివైనదేద్రవ్య.

డెట్ మ్యూచువల్ ఫండ్ పెట్టుబడికి ఒకే మొత్తం ఎందుకు?

ఒకే మొత్తంలో పెట్టుబడి కోసం, డెట్ ఫండ్స్ పోలిస్తే మంచి ఎంపికఈక్విటీ మ్యూచువల్ ఫండ్స్. ఒకే మొత్తం మార్గం వడ్డీ రేటులో మార్పు ప్రమాదాన్ని తగ్గిస్తుంది, అలాగే స్థిర డిపాజిట్ల (ఎఫ్‌డి) తో పోల్చితే మంచి రాబడిని ఇస్తుంది. ఆదర్శవంతంగా, మీరు ఒకే మొత్తంలో రూట్ ఫండ్లలో పెట్టుబడి పెట్టినప్పుడు, ఇది రెండు సమస్యలను పరిష్కరిస్తుంది- ఒకటి పన్ను ప్రయోజనాలు మరియు మరొకటి తిరిగి పెట్టుబడి ప్రమాదం.

పెరుగుతున్న వడ్డీ రేట్ల సమయంలో, అధిక-నాణ్యత గల పోర్ట్‌ఫోలియోతో రుణ ఆధారిత నిధులలో ఒకే మొత్తంలో వెళ్ళడానికి ఇది మంచి సమయంబాండ్స్. ఈ నిధులు సాధారణంగా పనిలేకుండా పొదుపు చేసేవారికి అనుకూలంగా ఉంటాయి మరియు సరైన రాబడి కోసం పెట్టుబడి పెట్టాలనుకుంటాయి. ఒకే మొత్తంలో ఎంత మొత్తంలో అయినా చెల్లించవచ్చుమ్యూచువల్ ఫండ్.

ఒక క్రమబద్ధమైనదానితో పోల్చితే ఒకే మొత్తం పెట్టుబడి బాగా పనిచేస్తుందిపెట్టుబడి ప్రణాళిక- మార్కెట్ తిరోగమనంలో లేదా తక్కువ విలువలతో పెట్టుబడి పెడితే మాత్రమే. అయితే, మొత్తంఇన్వెస్టింగ్ మార్కెట్ విలువలు విస్తరించినప్పుడు లేదా మీ పెట్టుబడి యొక్క ప్రారంభ దశలో మార్కెట్లు బాగా సరిదిద్దినప్పుడు ఎక్కువ పెట్టుబడి పెడితే పనిచేయకపోవచ్చు.

రుణ నిధులలో ఎలా పెట్టుబడి పెట్టాలి: మూల్యాంకనం చేయండి

ఫండ్ రిటర్న్స్- ఆహారంలో మంచి ట్రాక్ రికార్డ్ ఉండాలి. స్థిరమైన పనితీరును అందించే బలమైన చరిత్ర కలిగిన ఫండ్ హౌస్ కోసం వెళ్లండి. ఫండ్ యొక్క గత 1, 3 మరియు 5 సంవత్సరాల రాబడిని తనిఖీ చేయండి మరియు దాని బెంచ్‌మార్క్‌ను అధిగమించగలిగితే లేదా.

మ్యాచ్ హారిజన్స్ మ్యాచ్- డెట్ ఫండ్స్ సంబంధిత మెచ్యూరిటీ కాలంతో పెట్టుబడి యొక్క విభిన్న ఎంపికలను అందిస్తాయి. పెట్టుబడిదారులు వారి మెచ్యూరిటీ వ్యవధి ఆధారంగా పెట్టుబడిని నిర్ణయించుకోవాలి, వారు ఇతర వాటితో కూడా పోల్చవచ్చుడెట్ ఫండ్ సాధన మరియు వారి ప్రణాళికకు ఉత్తమమైనదాన్ని ఎంచుకోండి. ఉదాహరణకు, మీరు ఒక సంవత్సరం పెట్టుబడి ప్రణాళిక యొక్క కాలపరిమితిని చూస్తున్నట్లయితే, స్వల్పకాలిక రుణ నిధి ఆదర్శంగా సరిపోతుంది.

ఖర్చు నిష్పత్తి- డెట్ ఫండ్లలో పరిగణించవలసిన ముఖ్యమైన అంశం దాని ఖర్చు నిష్పత్తి. అధిక వ్యయ నిష్పత్తి నిధుల పనితీరుపై పెద్ద ప్రభావాన్ని సృష్టిస్తుంది. ఉదాహరణకి,ద్రవ నిధులు 50 బిపిఎస్ వరకు ఉండే అతి తక్కువ వ్యయ నిష్పత్తులను కలిగి ఉండండి (వడ్డీ రేట్లను కొలవడానికి బిపిఎస్ ఒక యూనిట్, ఇందులో ఒక బిపిఎస్ 1% లో 1/100 వ వంతుకు సమానం) అయితే, ఇతర రుణ నిధులు 150 బిపిఎస్ వరకు వసూలు చేయవచ్చు. కాబట్టి ఒక డెట్ మ్యూచువల్ ఫండ్ మధ్య ఎంపిక చేసుకోవటానికి, నిర్వహణ రుసుము లేదా ఫండ్ రన్నింగ్ ఖర్చును పరిగణనలోకి తీసుకోవడం చాలా ముఖ్యం.

టాప్ 10 బెస్ట్ లంప్ సమ్ డెట్ మ్యూచువల్ ఫండ్స్ 2020 - 2021

క్రింద ఉన్న టాప్ ర్యాంక్ ఫండ్స్రుణ వర్గాలు ప్రధానంగా నిధులను కలిగి ఉంటాయిAUM> 2000 కోట్లు & అల్ట్రా-షార్ట్, కార్పొరేట్ బాండ్, క్రెడిట్ రిస్క్, తక్కువ వ్యవధి ఉప వర్గాలలో ఉన్నాయి.

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹570.293 ↑ 0.06	₹23,615	1,000	1.4	3	7.2	7.4	7.4	6.81%	5M 19D	6M 11D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹116.512 ↓ -0.01	₹29,856	1,000	0.7	2.6	6.8	7.6	7.4	7.12%	4Y 10M 24D	7Y 6M 14D
HDFC Corporate Bond Fund Growth	₹33.5539 ↓ -0.01	₹34,805	5,000	0.7	2.4	6.7	7.6	7.3	7.13%	4Y 6M 11D	7Y 9M 18D
HDFC Credit Risk Debt Fund Growth	₹25.08 ↓ -0.01	₹6,974	5,000	1.4	3.3	7.9	7.7	8	8.1%	2Y 5M 16D	3Y 11M 5D
SBI Credit Risk Fund Growth	₹47.539 ↓ -0.01	₹2,175	5,000	1.3	3.3	7.8	8.2	7.9	8.15%	2Y 1M 24D	2Y 10M 17D
ICICI Prudential Corporate Bond Fund Growth	₹30.9717 ↓ 0.00	₹33,871	5,000	1	2.8	7.5	7.8	8	7.02%	2Y 11M 1D	5Y 5M 12D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Feb 26

Research Highlights & Commentary of 6 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	Aditya Birla Sun Life Corporate Bond Fund	HDFC Corporate Bond Fund	HDFC Credit Risk Debt Fund	SBI Credit Risk Fund	ICICI Prudential Corporate Bond Fund
Point 1	Lower mid AUM (₹23,615 Cr).	Upper mid AUM (₹29,856 Cr).	Highest AUM (₹34,805 Cr).	Bottom quartile AUM (₹6,974 Cr).	Bottom quartile AUM (₹2,175 Cr).	Upper mid AUM (₹33,871 Cr).
Point 2	Established history (22+ yrs).	Oldest track record among peers (28 yrs).	Established history (15+ yrs).	Established history (11+ yrs).	Established history (21+ yrs).	Established history (16+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 7.15% (lower mid).	1Y return: 6.77% (bottom quartile).	1Y return: 6.71% (bottom quartile).	1Y return: 7.90% (top quartile).	1Y return: 7.80% (upper mid).	1Y return: 7.50% (upper mid).
Point 6	1M return: 0.65% (bottom quartile).	1M return: 0.86% (upper mid).	1M return: 0.75% (lower mid).	1M return: 0.92% (upper mid).	1M return: 1.02% (top quartile).	1M return: 0.74% (bottom quartile).
Point 7	Sharpe: 3.14 (top quartile).	Sharpe: 0.66 (bottom quartile).	Sharpe: 0.63 (bottom quartile).	Sharpe: 1.63 (upper mid).	Sharpe: 1.80 (upper mid).	Sharpe: 1.43 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 7.12% (lower mid).	Yield to maturity (debt): 7.13% (upper mid).	Yield to maturity (debt): 8.10% (upper mid).	Yield to maturity (debt): 8.15% (top quartile).	Yield to maturity (debt): 7.02% (bottom quartile).
Point 10	Modified duration: 0.47 yrs (top quartile).	Modified duration: 4.90 yrs (bottom quartile).	Modified duration: 4.53 yrs (bottom quartile).	Modified duration: 2.46 yrs (upper mid).	Modified duration: 2.15 yrs (upper mid).	Modified duration: 2.92 yrs (lower mid).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹23,615 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.15% (lower mid).
1M return: 0.65% (bottom quartile).
Sharpe: 3.14 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹29,856 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.77% (bottom quartile).
1M return: 0.86% (upper mid).
Sharpe: 0.66 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.12% (lower mid).
Modified duration: 4.90 yrs (bottom quartile).

HDFC Corporate Bond Fund

Highest AUM (₹34,805 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.71% (bottom quartile).
1M return: 0.75% (lower mid).
Sharpe: 0.63 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.13% (upper mid).
Modified duration: 4.53 yrs (bottom quartile).

HDFC Credit Risk Debt Fund

Bottom quartile AUM (₹6,974 Cr).
Established history (11+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.90% (top quartile).
1M return: 0.92% (upper mid).
Sharpe: 1.63 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.10% (upper mid).
Modified duration: 2.46 yrs (upper mid).

SBI Credit Risk Fund

Bottom quartile AUM (₹2,175 Cr).
Established history (21+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.80% (upper mid).
1M return: 1.02% (top quartile).
Sharpe: 1.80 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.15% (top quartile).
Modified duration: 2.15 yrs (upper mid).

ICICI Prudential Corporate Bond Fund

Upper mid AUM (₹33,871 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.50% (upper mid).
1M return: 0.74% (bottom quartile).
Sharpe: 1.43 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (bottom quartile).
Modified duration: 2.92 yrs (lower mid).

1. Aditya Birla Sun Life Savings Fund

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

Research Highlights for Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹23,615 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.15% (lower mid).
1M return: 0.65% (bottom quartile).
Sharpe: 3.14 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).
Average maturity: 0.53 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~47%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.7%).

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

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (18 Feb 26)	₹570.293 ↑ 0.06 (0.01 %)
Net Assets (Cr)	₹23,615 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.14
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,414
31 Jan 23	₹10,928
31 Jan 24	₹11,721
31 Jan 25	₹12,635
31 Jan 26	₹13,528

Aditya Birla Sun Life Savings Fund SIP Returns

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

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	3%
1 Year	7.2%
3 Year	7.4%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.63 Yr.
Kaustubh Gupta	15 Jul 11	14.56 Yr.
Monika Gandhi	22 Mar 21	4.87 Yr.

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

Asset Allocation

Asset Class	Value
Cash	47.38%
Debt	52.33%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	54.83%
Cash Equivalent	30.8%
Government	14.08%

Credit Quality

Rating	Value
AA	25.17%
AAA	74.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹610 Cr	60,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹543 Cr	54,000
Nirma Limited Debentures \| -	2%	₹485 Cr	48,500
Bharti Telecom Limited Debentures \| -	2%	₹397 Cr	40,000
7.25% Gujarat Sgs 2026 Sovereign Bonds \| -	2%	₹375 Cr	37,500,000
Muthoot Finance Limited Debentures \| -	2%	₹350 Cr	35,000
Mankind Pharma Limited Debentures \| -	1%	₹321 Cr	32,000 ↓ -2,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹302 Cr	30,000
Avanse Financial Services Limited Debentures \| -	1%	₹300 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹296 Cr	30,000

2. Aditya Birla Sun Life Corporate Bond Fund

(Erstwhile Aditya Birla Sun Life Short Term Fund)

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

Research Highlights for Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹29,856 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.77% (bottom quartile).
1M return: 0.86% (upper mid).
Sharpe: 0.66 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.12% (lower mid).
Modified duration: 4.90 yrs (bottom quartile).
Average maturity: 7.54 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.92% Gs 2039 (~7.8%).

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

Aditya Birla Sun Life Corporate Bond Fund Growth
Launch Date	3 Mar 97
NAV (18 Feb 26)	₹116.512 ↓ -0.01 (-0.01 %)
Net Assets (Cr)	₹29,856 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	0.66
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.12%
Effective Maturity	7 Years 6 Months 14 Days
Modified Duration	4 Years 10 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,442
31 Jan 23	₹10,892
31 Jan 24	₹11,710
31 Jan 25	₹12,715
31 Jan 26	₹13,527

Aditya Birla Sun Life Corporate Bond Fund SIP Returns

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

Returns for Aditya Birla Sun Life Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	0.9%
3 Month	0.7%
6 Month	2.6%
1 Year	6.8%
3 Year	7.6%
5 Year	6.4%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	4.81 Yr.

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

Asset Allocation

Asset Class	Value
Cash	2.95%
Debt	96.75%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	55.95%
Government	40.8%
Cash Equivalent	2.95%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Gs 2039 Sovereign Bonds \| -	8%	₹2,192 Cr	222,236,200
6.68% Gs 2040 Sovereign Bonds \| -	6%	₹1,594 Cr	165,500,000 ↓ -2,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,193 Cr	118,500
6.79% Gs 2034 Sovereign Bonds \| -	4%	₹1,049 Cr	104,519,400
6.33% Gs 2035 Sovereign Bonds \| -	4%	₹1,044 Cr	107,000,000 ↓ -500,000
7.34% Gs 2064 Sovereign Bonds \| -	3%	₹791 Cr	80,000,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹585 Cr	59,000
Bharti Telecom Limited Debentures \| -	2%	₹576 Cr	58,000
Rec Limited Debentures \| -	2%	₹573 Cr	60,000
Bharti Telecom Limited Debentures \| -	2%	₹506 Cr	50,900

3. HDFC Corporate Bond Fund

(Erstwhile HDFC Medium Term Opportunities Fund)

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

Research Highlights for HDFC Corporate Bond Fund

Highest AUM (₹34,805 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.71% (bottom quartile).
1M return: 0.75% (lower mid).
Sharpe: 0.63 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.13% (upper mid).
Modified duration: 4.53 yrs (bottom quartile).
Average maturity: 7.80 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Gs 2040 (~9.4%).

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (18 Feb 26)	₹33.5539 ↓ -0.01 (-0.03 %)
Net Assets (Cr)	₹34,805 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	0.63
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.13%
Effective Maturity	7 Years 9 Months 18 Days
Modified Duration	4 Years 6 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,408
31 Jan 23	₹10,782
31 Jan 24	₹11,586
31 Jan 25	₹12,580
31 Jan 26	₹13,390

HDFC Corporate Bond Fund SIP Returns

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

Returns for HDFC Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	0.8%
3 Month	0.7%
6 Month	2.4%
1 Year	6.7%
3 Year	7.6%
5 Year	6.3%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	10.27 Yr.
Dhruv Muchhal	22 Jun 23	2.61 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.28%
Debt	96.42%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	58.32%
Government	38.08%
Cash Equivalent	3.3%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Gs 2040 Sovereign Bonds \| -	9%	₹3,130 Cr	325,000,000 ↓ -10,000,000
Bajaj Finance Limited Debentures \| -	3%	₹1,113 Cr	112,500
6.90% Gs 2065 Sovereign Bonds \| -	3%	₹1,062 Cr	113,500,000
Goi Floating Rate Bond 2033 Sovereign Bonds \| -	3%	₹836 Cr	81,000,000
State Bank Of India Debentures \| -	2%	₹766 Cr	775
HDFC Bank Limited Debentures \| -	2%	₹508 Cr	50,000
LIC Housing Finance Ltd Debentures \| -	2%	₹504 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	2%	₹503 Cr	50,000
Rural Electrification Corporation Limited Debentures \| -	1%	₹464 Cr	4,500
Small Industries Development Bank Of India Debentures \| -	1%	₹457 Cr	45,000

4. HDFC Credit Risk Debt Fund

(Erstwhile HDFC Corporate Debt Opportunities Fund)

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

Research Highlights for HDFC Credit Risk Debt Fund

Bottom quartile AUM (₹6,974 Cr).
Established history (11+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.90% (top quartile).
1M return: 0.92% (upper mid).
Sharpe: 1.63 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.10% (upper mid).
Modified duration: 2.46 yrs (upper mid).
Average maturity: 3.93 yrs (upper mid).
Exit load: 0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~88%).
High-quality debt (AAA/AA ~84%).
Largest holding The Sandur Manganese And Iron Ores Limited (~4.1%).

Below is the key information for HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund Growth
Launch Date	25 Mar 14
NAV (18 Feb 26)	₹25.08 ↓ -0.01 (-0.04 %)
Net Assets (Cr)	₹6,974 on 31 Dec 25
Category	Debt - Credit Risk
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.51
Sharpe Ratio	1.63
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL)
Yield to Maturity	8.1%
Effective Maturity	3 Years 11 Months 5 Days
Modified Duration	2 Years 5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,669
31 Jan 23	₹11,095
31 Jan 24	₹11,871
31 Jan 25	₹12,823
31 Jan 26	₹13,771

HDFC Credit Risk Debt Fund SIP Returns

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

Returns for HDFC Credit Risk Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	0.9%
3 Month	1.4%
6 Month	3.3%
1 Year	7.9%
3 Year	7.7%
5 Year	6.8%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for HDFC Credit Risk Debt Fund

Name	Since	Tenure
Shobhit Mehrotra	25 Mar 14	11.86 Yr.
Dhruv Muchhal	22 Jun 23	2.61 Yr.

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

Asset Allocation

Asset Class	Value
Cash	7.19%
Equity	4.27%
Debt	88.18%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	75.34%
Government	12.83%
Cash Equivalent	7.19%

Credit Quality

Rating	Value
A	16.03%
AA	56.94%
AAA	27.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
The Sandur Manganese And Iron Ores Limited Debentures \| -	4%	₹281 Cr	30,000
GMR Airports Limited Debentures \| -	4%	₹271 Cr	26,500
TATA Projects Limited Debentures \| -	4%	₹251 Cr	25,000
The Tata Power Company Limited Debentures \| -	3%	₹228 Cr	2,190
Jubilant Beverages Limited Debentures \| -	3%	₹205 Cr	19,190
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	3%	₹202 Cr	20,000
Kalpataru Projects International Limited Debentures \| -	3%	₹200 Cr	20,000
SK Finance Limited Debentures \| -	3%	₹200 Cr	20,000
Jubilant Bevco Limited Debentures \| -	3%	₹191 Cr	17,750
Nirma Limited Debentures \| -	3%	₹176 Cr	17,500

5. SBI Credit Risk Fund

(Erstwhile SBI Corporate Bond Fund)

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

Research Highlights for SBI Credit Risk Fund

Bottom quartile AUM (₹2,175 Cr).
Established history (21+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.80% (upper mid).
1M return: 1.02% (top quartile).
Sharpe: 1.80 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.15% (top quartile).
Modified duration: 2.15 yrs (upper mid).
Average maturity: 2.88 yrs (upper mid).
Exit load: 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL).
Top sector: Industrials.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~81%).
High-quality debt (AAA/AA ~82%).
Largest holding 7.02% Gs 2031 (~7.1%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund Growth
Launch Date	19 Jul 04
NAV (18 Feb 26)	₹47.539 ↓ -0.01 (-0.01 %)
Net Assets (Cr)	₹2,175 on 31 Dec 25
Category	Debt - Credit Risk
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	1.8
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL)
Yield to Maturity	8.15%
Effective Maturity	2 Years 10 Months 17 Days
Modified Duration	2 Years 1 Month 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,519
31 Jan 23	₹10,972
31 Jan 24	₹11,900
31 Jan 25	₹12,873
31 Jan 26	₹13,827

SBI Credit Risk Fund SIP Returns

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

Returns for SBI Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	1%
3 Month	1.3%
6 Month	3.3%
1 Year	7.8%
3 Year	8.2%
5 Year	6.9%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	8.1%
2022	8.3%
2021	4.2%
2020	5%
2019	9.8%
2018	6.5%
2017	6.2%
2016	6.9%
2015	10.5%

Fund Manager information for SBI Credit Risk Fund

Name	Since	Tenure
Lokesh Mallya	1 Feb 17	9.01 Yr.

Data below for SBI Credit Risk Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	14.08%
Equity	4.2%
Debt	81.34%
Other	0.38%

Debt Sector Allocation

Sector	Value
Corporate	64.06%
Government	17.28%
Cash Equivalent	14.08%

Credit Quality

Rating	Value
A	18.19%
AA	60.03%
AAA	21.78%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.02% Gs 2031 Sovereign Bonds \| -	7%	₹153 Cr	15,000,000
Infopark Properties Limited Debentures \| -	5%	₹105 Cr	10,500
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	5%	₹103 Cr	11,000
H.G. Infra Engineering Limited Debentures \| -	5%	₹99 Cr	10,000
Nj Capital Private Limited Debentures \| -	5%	₹99 Cr	10,000
6.48% Gs 2035 Sovereign Bonds \| -	5%	₹98 Cr	10,000,000
Jtpm Metal TRaders Limited Debentures \| -	4%	₹93 Cr	9,000
Renserv Global Private Limited Debentures \| -	4%	₹80 Cr	8,000
Avanse Financial Services Limited Debentures \| -	4%	₹80 Cr	8,000
The Sandur Manganese And Iron Ores Limited Debentures \| -	4%	₹80 Cr	8,500

6. ICICI Prudential Corporate Bond Fund

(Erstwhile ICICI Prudential Ultra Short Term Plan)

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

Research Highlights for ICICI Prudential Corporate Bond Fund

Upper mid AUM (₹33,871 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.50% (upper mid).
1M return: 0.74% (bottom quartile).
Sharpe: 1.43 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (bottom quartile).
Modified duration: 2.92 yrs (lower mid).
Average maturity: 5.45 yrs (lower mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~83%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.48% Gs 2035 (~5.5%).

Below is the key information for ICICI Prudential Corporate Bond Fund

ICICI Prudential Corporate Bond Fund Growth
Launch Date	11 Aug 09
NAV (18 Feb 26)	₹30.9717 ↓ 0.00 (-0.02 %)
Net Assets (Cr)	₹33,871 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	1.43
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.02%
Effective Maturity	5 Years 5 Months 12 Days
Modified Duration	2 Years 11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,402
31 Jan 23	₹10,912
31 Jan 24	₹11,762
31 Jan 25	₹12,708
31 Jan 26	₹13,651

ICICI Prudential Corporate Bond Fund SIP Returns

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

Returns for ICICI Prudential Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	0.7%
3 Month	1%
6 Month	2.8%
1 Year	7.5%
3 Year	7.8%
5 Year	6.6%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for ICICI Prudential Corporate Bond Fund

Name	Since	Tenure
Manish Banthia	22 Jan 24	2.03 Yr.
Ritesh Lunawat	22 Jan 24	2.03 Yr.

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

Asset Allocation

Asset Class	Value
Cash	16.33%
Debt	83.39%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	55.85%
Government	27.53%
Cash Equivalent	16.33%

Credit Quality

Rating	Value
AA	0.5%
AAA	99.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.48% Gs 2035 Sovereign Bonds \| -	6%	₹1,833 Cr	186,102,800 ↑ 6,695,000
LIC Housing Finance Ltd Debentures \| -	4%	₹1,457 Cr	145,500
6.68% Gs 2040 Sovereign Bonds \| -	3%	₹1,098 Cr	114,006,250
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹1,003 Cr	1,000
Goi Floating Rate Bond 2033 Sovereign Bonds \| -	3%	₹951 Cr	92,096,680 ↓ -769,210
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹903 Cr	900
Small Industries Development Bank of India Debentures \| -	2%	₹789 Cr	79,433
7.10% Gs 2034 Sovereign Bonds \| -	2%	₹701 Cr	68,594,780
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹700 Cr	69,550 ↑ 5,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹578 Cr	57,500 ↑ 6,500

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ఇక్కడ అందించిన సమాచారం ఖచ్చితమైనదని నిర్ధారించడానికి అన్ని ప్రయత్నాలు జరిగాయి. ఏదేమైనా, డేటా యొక్క ఖచ్చితత్వానికి సంబంధించి ఎటువంటి హామీలు ఇవ్వబడవు. ఏదైనా పెట్టుబడి పెట్టడానికి ముందు దయచేసి స్కీమ్ సమాచార పత్రంతో ధృవీకరించండి.