+91-22-4891390910 Best Performing Debt Mutual Funds SIPs 2026
SIP investment is one of the most disciplined Investing options when investing in Mutual Funds.
Moreover, the minimum amount of investing in a SIP Mutual Fund is as less as INR 500. This makes investing in Top SIP plans much convenient.Generally, SIPs are ideal for Equity Funds as it SIP benefits the most in the long run, but many investors prefer taking it in debt funds too. So, here are some of the best debt SIP plans in India that offer good returns.
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Fund Selection Methodology used to find 10 funds
Top 10 Debt Mutual Funds SIP Plans To Invest In FY 26 - 27
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Credit Risk Fund Growth ₹24.5994
↓ -0.01 ₹1,178 100 2 6.7 11.8 11.8 13.4 8.59% 2Y 14D 2Y 8M 19D Sundaram Low Duration Fund Growth ₹28.8391
↑ 0.01 ₹550 1,000 1 10.2 11.8 5 4.19% 5M 18D 8M 1D Aditya Birla Sun Life Medium Term Plan Growth ₹42.4894
↓ -0.05 ₹3,078 1,000 1.3 3.9 7.9 9.5 10.9 8.4% 2Y 10M 10D 3Y 9M 29D ICICI Prudential Regular Savings Fund Growth ₹33.7401
↑ 0.01 ₹5,834 100 1.2 2.9 7.6 8.1 9.5 8.83% 1Y 9M 14D 2Y 9M 18D Nippon India Credit Risk Fund Growth ₹37.0037
↓ -0.01 ₹1,058 100 1.6 2.8 7.2 8 8.9 8.72% 1Y 11M 23D 2Y 4M 28D Kotak Credit Risk Fund Growth ₹31.0166
↑ 0.01 ₹691 1,000 1 2.1 6.8 7.3 9.1 8.57% 2Y 1M 10D 2Y 9M 18D IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 500 1.7 3.4 6.6 4.5 6.66% 1M 7D 1M 10D Aditya Birla Sun Life Savings Fund Growth ₹576.838
↑ 0.03 ₹19,348 1,000 1.6 2.9 6.5 7.3 7.4 7.45% 5M 26D 7M 2D ICICI Prudential Savings Fund Growth ₹571.982
↓ -0.08 ₹26,665 100 1.5 2.8 6.4 7.5 7.7 7.57% 10M 28D 1Y 3M 18D Tata Money Market Fund Growth ₹4,968.15
↓ -1.24 ₹32,382 500 1.6 2.9 6.3 7.3 7.4 6.64% 6D 6D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Apr 26 Research Highlights & Commentary of 10 Funds showcased
Commentary Aditya Birla Sun Life Credit Risk Fund Sundaram Low Duration Fund Aditya Birla Sun Life Medium Term Plan ICICI Prudential Regular Savings Fund Nippon India Credit Risk Fund Kotak Credit Risk Fund IDBI Liquid Fund Aditya Birla Sun Life Savings Fund ICICI Prudential Savings Fund Tata Money Market Fund Point 1 Lower mid AUM (₹1,178 Cr). Bottom quartile AUM (₹550 Cr). Upper mid AUM (₹3,078 Cr). Upper mid AUM (₹5,834 Cr). Lower mid AUM (₹1,058 Cr). Bottom quartile AUM (₹691 Cr). Bottom quartile AUM (₹503 Cr). Upper mid AUM (₹19,348 Cr). Top quartile AUM (₹26,665 Cr). Highest AUM (₹32,382 Cr). Point 2 Established history (11+ yrs). Established history (19+ yrs). Established history (17+ yrs). Established history (15+ yrs). Established history (20+ yrs). Established history (15+ yrs). Established history (15+ yrs). Oldest track record among peers (23 yrs). Established history (23+ yrs). Established history (22+ yrs). Point 3 Not Rated. Rating: 2★ (lower mid). Rating: 4★ (top quartile). Rating: 1★ (bottom quartile). Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). Rating: 3★ (upper mid). Top rated. Rating: 4★ (upper mid). Rating: 3★ (lower mid). Point 4 Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Low. Point 5 1Y return: 11.83% (top quartile). 1Y return: 11.79% (top quartile). 1Y return: 7.86% (upper mid). 1Y return: 7.61% (upper mid). 1Y return: 7.15% (upper mid). 1Y return: 6.85% (lower mid). 1Y return: 6.55% (lower mid). 1Y return: 6.45% (bottom quartile). 1Y return: 6.42% (bottom quartile). 1Y return: 6.33% (bottom quartile). Point 6 1M return: 0.81% (top quartile). 1M return: 0.28% (bottom quartile). 1M return: 0.61% (lower mid). 1M return: 0.85% (top quartile). 1M return: 0.69% (upper mid). 1M return: 0.70% (upper mid). 1M return: 0.53% (bottom quartile). 1M return: 0.56% (lower mid). 1M return: 0.52% (bottom quartile). 1M return: 0.62% (upper mid). Point 7 Sharpe: 2.01 (top quartile). Sharpe: 0.99 (bottom quartile). Sharpe: 1.39 (lower mid). Sharpe: 1.61 (upper mid). Sharpe: 1.40 (lower mid). Sharpe: 0.92 (bottom quartile). Sharpe: 0.20 (bottom quartile). Sharpe: 1.95 (top quartile). Sharpe: 1.69 (upper mid). Sharpe: 1.65 (upper mid). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 8.59% (upper mid). Yield to maturity (debt): 4.19% (bottom quartile). Yield to maturity (debt): 8.40% (upper mid). Yield to maturity (debt): 8.83% (top quartile). Yield to maturity (debt): 8.72% (top quartile). Yield to maturity (debt): 8.57% (upper mid). Yield to maturity (debt): 6.66% (bottom quartile). Yield to maturity (debt): 7.45% (lower mid). Yield to maturity (debt): 7.57% (lower mid). Yield to maturity (debt): 6.64% (bottom quartile). Point 10 Modified duration: 2.04 yrs (bottom quartile). Modified duration: 0.47 yrs (upper mid). Modified duration: 2.86 yrs (bottom quartile). Modified duration: 1.79 yrs (lower mid). Modified duration: 1.98 yrs (lower mid). Modified duration: 2.11 yrs (bottom quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.49 yrs (upper mid). Modified duration: 0.91 yrs (upper mid). Modified duration: 0.02 yrs (top quartile). Aditya Birla Sun Life Credit Risk Fund
Sundaram Low Duration Fund
Aditya Birla Sun Life Medium Term Plan
ICICI Prudential Regular Savings Fund
Nippon India Credit Risk Fund
Kotak Credit Risk Fund
IDBI Liquid Fund
Aditya Birla Sun Life Savings Fund
ICICI Prudential Savings Fund
Tata Money Market Fund
*Fund Mentioned having Fund Size (AUM) above 500 crore.
(Erstwhile Aditya Birla Sun Life Corporate Bond Fund) The investment objective of the Scheme is to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved. Below is the key information for Aditya Birla Sun Life Credit Risk Fund Returns up to 1 year are on (Erstwhile Sundaram Ultra Short Term Fund) To provide a level of income consistent with liquidity
through investments made primarily in money market and
debt securities. Research Highlights for Sundaram Low Duration Fund Below is the key information for Sundaram Low Duration Fund Returns up to 1 year are on The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to make regular dividend payments to unit holders & secondary objective is growth of capital. Research Highlights for Aditya Birla Sun Life Medium Term Plan Below is the key information for Aditya Birla Sun Life Medium Term Plan Returns up to 1 year are on The fund’s objective is to provide reasonable returns, by maintaining an optimum balance of safety, liquidity and yield, through investments in a basket of debt and money market instruments with a view to delivering consistent performance. However, there can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for ICICI Prudential Regular Savings Fund Below is the key information for ICICI Prudential Regular Savings Fund Returns up to 1 year are on (Erstwhile Reliance Regular Savings Fund - Debt Plan) The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & Money Market Instruments. Research Highlights for Nippon India Credit Risk Fund Below is the key information for Nippon India Credit Risk Fund Returns up to 1 year are on (Erstwhile Kotak Income Opportunities Fund) The investment objective of the scheme is to generate income by investing in debt/ and money market securities across the yield curve and credit spectrum. The scheme will also seek to maintain reasonable liquidity within the fund. Research Highlights for Kotak Credit Risk Fund Below is the key information for Kotak Credit Risk Fund Returns up to 1 year are on The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for IDBI Liquid Fund Below is the key information for IDBI Liquid Fund Returns up to 1 year are on 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 Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Flexible Income Plan) To generate income through investments in a range of debt instruments and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity. Research Highlights for ICICI Prudential Savings Fund Below is the key information for ICICI Prudential Savings Fund Returns up to 1 year are on (Erstwhile Tata Liquid Fund) To create a highly liquid portfolio of good quality debt as well as money market instruments so as to provide reasonable returns and high liquidity to the unitholders. Research Highlights for Tata Money Market Fund Below is the key information for Tata Money Market Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Credit Risk Fund
Growth Launch Date 17 Apr 15 NAV (30 Apr 26) ₹24.5994 ↓ -0.01 (-0.06 %) Net Assets (Cr) ₹1,178 on 31 Mar 26 Category Debt - Credit Risk AMC Birla Sun Life Asset Management Co Ltd Rating Risk Moderate Expense Ratio 1.54 Sharpe Ratio 2.01 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 8.59% Effective Maturity 2 Years 8 Months 19 Days Modified Duration 2 Years 14 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,503 30 Apr 23 ₹11,376 30 Apr 24 ₹12,143 30 Apr 25 ₹14,234 30 Apr 26 ₹15,918 Returns for Aditya Birla Sun Life Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 26 Duration Returns 1 Month 0.8% 3 Month 2% 6 Month 6.7% 1 Year 11.8% 3 Year 11.8% 5 Year 9.7% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 13.4% 2024 11.9% 2023 6.9% 2022 7.1% 2021 6.4% 2020 9.4% 2019 2.1% 2018 6.6% 2017 8.1% 2016 10.3% Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
Name Since Tenure Sunaina Cunha 17 Apr 15 10.96 Yr. Mohit Sharma 6 Aug 20 5.65 Yr. Data below for Aditya Birla Sun Life Credit Risk Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 10.09% Equity 7.72% Debt 81.43% Other 0.77% Debt Sector Allocation
Sector Value Corporate 60.77% Government 20.66% Cash Equivalent 10.09% Credit Quality
Rating Value A 16.62% AA 54.7% AAA 28.68% Top Securities Holdings / Portfolio
Name Holding Value Quantity GMR Airports Limited
Debentures | -5% ₹54 Cr 5,200 Aditya Birla Real Estate Limited
Debentures | -4% ₹45 Cr 4,500 Jubilant Bevco Limited
Debentures | -4% ₹43 Cr 4,000 6.48% Govt Stock 2035
Sovereign Bonds | -3% ₹40 Cr 4,115,800
↓ -500,000 IKF Finance Limited
Debentures | -3% ₹35 Cr 3,500 Hinduja Leyland Finance Limited
Debentures | -3% ₹34 Cr 3,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹34 Cr 3,500 Kogta Financial (India) Limited
Debentures | -3% ₹32 Cr 3,250 GAursons India Private Limited
Debentures | -3% ₹32 Cr 3,200 Vedanta Limited
Debentures | -3% ₹30 Cr 3,000 2. Sundaram Low Duration Fund
Sundaram Low Duration Fund
Growth Launch Date 23 Apr 07 NAV (31 Dec 21) ₹28.8391 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹550 on 30 Nov 21 Category Debt - Low Duration AMC Sundaram Asset Management Company Ltd Rating ☆☆ Risk Moderately Low Expense Ratio 0.86 Sharpe Ratio 0.99 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 4.19% Effective Maturity 8 Months 1 Day Modified Duration 5 Months 18 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 Returns for Sundaram Low Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 26 Duration Returns 1 Month 0.3% 3 Month 1% 6 Month 10.2% 1 Year 11.8% 3 Year 5% 5 Year 5.7% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 Fund Manager information for Sundaram Low Duration Fund
Name Since Tenure Data below for Sundaram Low Duration Fund as on 30 Nov 21
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. Aditya Birla Sun Life Medium Term Plan
Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (30 Apr 26) ₹42.4894 ↓ -0.05 (-0.12 %) Net Assets (Cr) ₹3,078 on 31 Mar 26 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.57 Sharpe Ratio 1.39 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 8.4% Effective Maturity 3 Years 9 Months 29 Days Modified Duration 2 Years 10 Months 10 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,842 30 Apr 23 ₹13,281 30 Apr 24 ₹14,129 30 Apr 25 ₹16,187 30 Apr 26 ₹17,460 Returns for Aditya Birla Sun Life Medium Term Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 26 Duration Returns 1 Month 0.6% 3 Month 1.3% 6 Month 3.9% 1 Year 7.9% 3 Year 9.5% 5 Year 11.8% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 10.9% 2024 10.5% 2023 6.9% 2022 24.8% 2021 7.1% 2020 8.1% 2019 -4.4% 2018 5.6% 2017 7% 2016 10.9% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 11.59 Yr. Mohit Sharma 6 Aug 20 5.65 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 3.54% Equity 4.16% Debt 91.81% Other 0.5% Debt Sector Allocation
Sector Value Corporate 59.76% Government 32.05% Cash Equivalent 3.54% Credit Quality
Rating Value A 11.55% AA 39.56% AAA 48.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -7% ₹213 Cr 21,196,700 National Bank For Agriculture And Rural Development
Debentures | -4% ₹124 Cr 12,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹113 Cr 11,500 Hinduja Leyland Finance Limited
Debentures | -4% ₹108 Cr 11,000 6.48% Govt Stock 2035
Sovereign Bonds | -3% ₹106 Cr 11,000,000
↓ -12,500,000 Nuvama Wealth Finance Limited
Debentures | -3% ₹96 Cr 9,500 Oxyzo Financial Services Limited
Debentures | -3% ₹89 Cr 9,000 GMR Airports Limited
Debentures | -3% ₹83 Cr 8,000 Jubilant Bevco Limited
Debentures | -3% ₹80 Cr 7,400 Jtpm Metal TRaders Limited
Debentures | -3% ₹80 Cr 7,673 4. ICICI Prudential Regular Savings Fund
ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (30 Apr 26) ₹33.7401 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹5,834 on 31 Mar 26 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.43 Sharpe Ratio 1.61 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 8.83% Effective Maturity 2 Years 9 Months 18 Days Modified Duration 1 Year 9 Months 14 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,610 30 Apr 23 ₹11,253 30 Apr 24 ₹12,065 30 Apr 25 ₹13,199 30 Apr 26 ₹14,203 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 26 Duration Returns 1 Month 0.9% 3 Month 1.2% 6 Month 2.9% 1 Year 7.6% 3 Year 8.1% 5 Year 7.3% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2025 9.5% 2024 8.5% 2023 7.2% 2022 5.1% 2021 6.2% 2020 9.8% 2019 9.5% 2018 6.6% 2017 6.8% 2016 9.5% Fund Manager information for ICICI Prudential Regular Savings Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.4 Yr. Akhil Kakkar 22 Jan 24 2.19 Yr. Data below for ICICI Prudential Regular Savings Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 16.01% Equity 9.23% Debt 74.36% Other 0.39% Debt Sector Allocation
Sector Value Corporate 65.84% Government 13.35% Cash Equivalent 11.18% Credit Quality
Rating Value A 21.44% AA 57.69% AAA 20.87% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | EMBASSY4% ₹240 Cr 5,715,303 Keystone Realtors Limited
Debentures | -4% ₹233 Cr 23,500 Millennia Realtors Private Limited
Debentures | -4% ₹210 Cr 2,100 Vedanta Limited
Debentures | -3% ₹200 Cr 20,000 Adani Enterprises Limited
Debentures | -3% ₹198 Cr 20,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹188 Cr 18,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -3% ₹186 Cr 18,500 Nirma Limited
Debentures | -3% ₹150 Cr 15,000 Sis Limited
Debentures | -2% ₹124 Cr 12,500 Lodha Developers Limited
Debentures | -2% ₹120 Cr 15,000 5. Nippon India Credit Risk Fund
Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (30 Apr 26) ₹37.0037 ↓ -0.01 (-0.04 %) Net Assets (Cr) ₹1,058 on 31 Mar 26 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 1.4 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 8.72% Effective Maturity 2 Years 4 Months 28 Days Modified Duration 1 Year 11 Months 23 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹11,196 30 Apr 23 ₹11,836 30 Apr 24 ₹12,733 30 Apr 25 ₹13,929 30 Apr 26 ₹14,926 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 26 Duration Returns 1 Month 0.7% 3 Month 1.6% 6 Month 2.8% 1 Year 7.2% 3 Year 8% 5 Year 8.3% 10 Year 15 Year Since launch 6.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 8.9% 2024 8.3% 2023 7.9% 2022 3.9% 2021 13.5% 2020 -5.9% 2019 1.9% 2018 6.1% 2017 7% 2016 10% Fund Manager information for Nippon India Credit Risk Fund
Name Since Tenure Kinjal Desai 25 May 18 7.86 Yr. Sushil Budhia 1 Feb 20 6.17 Yr. Amber Singhania 11 Mar 26 0.06 Yr. Data below for Nippon India Credit Risk Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 12.83% Debt 86.88% Other 0.28% Debt Sector Allocation
Sector Value Corporate 74.57% Government 16.98% Cash Equivalent 8.17% Credit Quality
Rating Value A 26.83% AA 36.86% AAA 36.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -7% ₹75 Cr 7,500,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -4% ₹46 Cr 5,000 Muthoot Fincorp Limited
Debentures | -4% ₹44 Cr 20,000
↓ -30,000 TRuhome Finance Limited
Debentures | -4% ₹40 Cr 4,000 Navi Finserv Limited
Debentures | -4% ₹40 Cr 40,000 GAursons India Private Limited
Debentures | -4% ₹40 Cr 4,000 Delhi International Airport Limited
Debentures | -3% ₹36 Cr 3,500 Vedanta Limited
Debentures | -3% ₹35 Cr 3,500 Hiranandani Financial Services Private Limited
Debentures | -3% ₹35 Cr 3,500 Auxilo Finserve Private Limited
Debentures | -3% ₹32 Cr 3,200 6. Kotak Credit Risk Fund
Kotak Credit Risk Fund
Growth Launch Date 11 May 10 NAV (30 Apr 26) ₹31.0166 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹691 on 31 Mar 26 Category Debt - Credit Risk AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 1.71 Sharpe Ratio 0.92 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) Yield to Maturity 8.57% Effective Maturity 2 Years 9 Months 18 Days Modified Duration 2 Years 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,249 30 Apr 23 ₹10,668 30 Apr 24 ₹11,436 30 Apr 25 ₹12,320 30 Apr 26 ₹13,163 Returns for Kotak Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 26 Duration Returns 1 Month 0.7% 3 Month 1% 6 Month 2.1% 1 Year 6.8% 3 Year 7.3% 5 Year 5.7% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 9.1% 2024 7.1% 2023 6.4% 2022 0.9% 2021 5.3% 2020 6.6% 2019 9% 2018 6.2% 2017 6.6% 2016 10.4% Fund Manager information for Kotak Credit Risk Fund
Name Since Tenure Deepak Agrawal 11 May 10 15.9 Yr. Vihag Mishra 24 Oct 25 0.44 Yr. Data below for Kotak Credit Risk Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 1.68% Equity 9.83% Debt 87.9% Other 0.6% Debt Sector Allocation
Sector Value Corporate 72.03% Government 15.87% Cash Equivalent 1.68% Credit Quality
Rating Value A 11.43% AA 59.88% AAA 28.69% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jubilant Bevco Limited
Debentures | -8% ₹54 Cr 500 Vedanta Limited
Debentures | -7% ₹50 Cr 5,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -7% ₹50 Cr 5,000 TATA Projects Limited
Debentures | -7% ₹50 Cr 5,000 Rec Limited
Debentures | -7% ₹49 Cr 5,000 Aditya Birla Real Estate Limited
Debentures | -6% ₹45 Cr 4,500 Karnataka State Development Loans
Sovereign Bonds | -6% ₹45 Cr 4,500,000 Aditya Birla Renewables Limited
Debentures | -6% ₹40 Cr 4,000 Au Small Finance Bank Limited
Debentures | -4% ₹30 Cr 30 Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | EMBASSY4% ₹27 Cr 636,630 7. IDBI Liquid Fund
IDBI Liquid Fund
Growth Launch Date 9 Jul 10 NAV (28 Jul 23) ₹2,454.04 ↑ 0.35 (0.01 %) Net Assets (Cr) ₹503 on 30 Jun 23 Category Debt - Liquid Fund AMC IDBI Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.17 Sharpe Ratio 0.2 Information Ratio -5.96 Alpha Ratio -0.21 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.66% Effective Maturity 1 Month 10 Days Modified Duration 1 Month 7 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,351 30 Apr 23 ₹10,966 Returns for IDBI Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 26 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.4% 1 Year 6.6% 3 Year 4.5% 5 Year 5.3% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 Fund Manager information for IDBI Liquid Fund
Name Since Tenure Data below for IDBI Liquid Fund as on 30 Jun 23
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 8. Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (30 Apr 26) ₹576.838 ↑ 0.03 (0.01 %) Net Assets (Cr) ₹19,348 on 31 Mar 26 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.55 Sharpe Ratio 1.95 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.45% Effective Maturity 7 Months 2 Days Modified Duration 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,405 30 Apr 23 ₹10,999 30 Apr 24 ₹11,825 30 Apr 25 ₹12,766 30 Apr 26 ₹13,590 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 26 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 2.9% 1 Year 6.5% 3 Year 7.3% 5 Year 6.3% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.4% 2024 7.9% 2023 7.2% 2022 4.8% 2021 3.9% 2020 7% 2019 8.5% 2018 7.6% 2017 7.2% 2016 9.2% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 11.79 Yr. Kaustubh Gupta 15 Jul 11 14.72 Yr. Monika Gandhi 22 Mar 21 5.03 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 26.78% Debt 72.88% Other 0.34% Debt Sector Allocation
Sector Value Corporate 68% Government 16.89% Cash Equivalent 14.77% Credit Quality
Rating Value AA 30.53% AAA 69.47% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank for Agriculture and Rural Development
Domestic Bonds | -4% ₹748 Cr 16,000
↑ 16,000 Indusind Bank Ltd.
Debentures | -4% ₹712 Cr 15,000 Punjab National Bank
Domestic Bonds | -3% ₹654 Cr 14,000
↑ 14,000 Shriram Finance Limited
Debentures | -3% ₹607 Cr 60,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹489 Cr 49,000
↓ -5,000 Bharti Telecom Limited
Debentures | -2% ₹396 Cr 40,000 Muthoot Finance Limited
Debentures | -2% ₹350 Cr 35,000 Mankind Pharma Limited
Debentures | -2% ₹321 Cr 32,000 Avanse Financial Services Limited
Debentures | -2% ₹300 Cr 30,000 Power Finance Corporation Limited
Debentures | -2% ₹295 Cr 30,000 9. ICICI Prudential Savings Fund
ICICI Prudential Savings Fund
Growth Launch Date 27 Sep 02 NAV (30 Apr 26) ₹571.982 ↓ -0.08 (-0.01 %) Net Assets (Cr) ₹26,665 on 31 Mar 26 Category Debt - Low Duration AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.53 Sharpe Ratio 1.69 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.57% Effective Maturity 1 Year 3 Months 18 Days Modified Duration 10 Months 28 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,396 30 Apr 23 ₹11,024 30 Apr 24 ₹11,893 30 Apr 25 ₹12,866 30 Apr 26 ₹13,692 Returns for ICICI Prudential Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 26 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 2.8% 1 Year 6.4% 3 Year 7.5% 5 Year 6.5% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.7% 2024 8% 2023 7.6% 2022 4.5% 2021 3.8% 2020 8.6% 2019 8.8% 2018 7.3% 2017 7.1% 2016 9.1% Fund Manager information for ICICI Prudential Savings Fund
Name Since Tenure Nikhil Kabra 13 Sep 24 1.55 Yr. Darshil Dedhia 12 Jun 23 2.81 Yr. Data below for ICICI Prudential Savings Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 67.94% Debt 31.74% Other 0.32% Debt Sector Allocation
Sector Value Corporate 73.08% Cash Equivalent 34.93% Credit Quality
Rating Value AA 13.94% AAA 86.06% Top Securities Holdings / Portfolio
Name Holding Value Quantity RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -3% ₹858 Cr 875 National Bank For Agriculture And Rural Development
Debentures | -2% ₹651 Cr 65,000 6.52% Govt Stock 2031
Sovereign Bonds | -2% ₹622 Cr 60,500,000 7.33% Karnataka Sgs 2033
Sovereign Bonds | -2% ₹494 Cr 50,000,000 Bank of India Ltd.
Debentures | -2% ₹470 Cr 10,000 Bajaj Housing Finance Limited
Debentures | -2% ₹420 Cr 42,500 Piramal Finance Limited
Debentures | -1% ₹376 Cr 37,500 6.75% Govt Stock 2033
Sovereign Bonds | -1% ₹360 Cr 34,589,920 7.17% Gujarat Sgs 2032
Sovereign Bonds | -1% ₹353 Cr 35,734,200 National Bank For Agriculture And Rural Development
Debentures | -1% ₹305 Cr 30,500 10. Tata Money Market Fund
Tata Money Market Fund
Growth Launch Date 22 May 03 NAV (30 Apr 26) ₹4,968.15 ↓ -1.24 (-0.02 %) Net Assets (Cr) ₹32,382 on 31 Mar 26 Category Debt - Money Market AMC Tata Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.44 Sharpe Ratio 1.65 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.64% Effective Maturity 6 Days Modified Duration 6 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,387 30 Apr 23 ₹11,006 30 Apr 24 ₹11,838 30 Apr 25 ₹12,785 30 Apr 26 ₹13,595 Returns for Tata Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 26 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 2.9% 1 Year 6.3% 3 Year 7.3% 5 Year 6.3% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.4% 2024 7.7% 2023 7.4% 2022 4.8% 2021 3.9% 2020 6.4% 2019 8.1% 2018 -0.1% 2017 6.7% 2016 7.6% Fund Manager information for Tata Money Market Fund
Name Since Tenure Amit Somani 16 Oct 13 12.46 Yr. Data below for Tata Money Market Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 84.26% Debt 15.43% Other 0.31% Debt Sector Allocation
Sector Value Cash Equivalent 41.31% Corporate 40.46% Government 17.92% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indian Bank
Domestic Bonds | -3% ₹943 Cr 19,500 India (Republic of)
- | -3% ₹882 Cr 90,000,000
↑ 90,000,000 02/04/2026 Maturing 364 DTB
Sovereign Bonds | -2% ₹695 Cr 69,500,000
↓ -90,000,000 India (Republic of)
- | -2% ₹693 Cr 70,000,000
↑ 70,000,000 Indian Overseas Bank
Debentures | -2% ₹655 Cr 14,000 Tbill
Sovereign Bonds | -2% ₹608 Cr 61,500,000
↑ 41,500,000 India (Republic of)
- | -2% ₹587 Cr 60,000,000
↑ 60,000,000 Equitas Small Finance Bank Ltd.
Debentures | -2% ₹558 Cr 12,000 Bank of Baroda
Debentures | -1% ₹484 Cr 10,000 Tbill
Sovereign Bonds | -1% ₹238 Cr 25,000,000
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