سرمایہ کاری کے لیے ٹاپ 10 بہترین براہ راست میوچل فنڈز

Updated on September 2, 2025 , 20851 views

میوچل فنڈ اسکیمیں، دو پلان پیش کرتی ہیں- ریگولر اور ڈائریکٹ۔ زیادہ تر سرمایہ کارسرمایہ کاری میںباہمی چندہ عام طور پر ریگولر فنڈز کو ترجیح دیتے ہیں، لیکن اس کے باوجود، نئے سرمایہ کاروں میں براہ راست فنڈز کے لیے دلچسپی نے مانگ میں اضافہ کیا ہے۔ چابیعنصر جو کہ ان دونوں منصوبوں کے درمیان فرق کرتا ہے اخراجات کا تناسب ہے، براہ راست منصوبہ کے اخراجات کا تناسب باقاعدہ منصوبہ کے مقابلے میں کم ہے۔

براہ راست منصوبے الگ الگ اسکیمیں نہیں ہیں، لیکن یہ کم اخراجات کے تناسب کے ساتھ باقاعدہ منصوبہ کی تبدیلی ہیں۔ تو، ایکسرمایہ کار جو میوچل فنڈ میں سرمایہ کاری کرنا چاہتا ہے وہ باقاعدہ منصوبہ یا براہ راست منصوبہ کا انتخاب کرسکتا ہے۔ مثالی طور پر، ایک سرمایہ کار جو آزادانہ طور پر کر سکتا ہے۔میوچل فنڈز میں سرمایہ کاری کریں۔ کسی مشیر کی مدد لیے بغیر براہ راست منصوبوں میں سرمایہ کاری کر سکتے ہیں۔

آئیے براہ راست فنڈ کی سرمایہ کاری کے ساتھ ساتھ سرمایہ کاری کے لیے کچھ بہترین براہ راست میوچل فنڈز کے بارے میں مزید جانیں۔

براہ راست میوچل فنڈز کی سرمایہ کاری کیا ہے؟

براہ راست فنڈز محدود تعداد میں چینلز کے ذریعے دستیاب ہیں۔ ایک سرمایہ کار بنیادی طور پر فنڈ ہاؤس کے ذریعے سرمایہ کاری کر سکتا ہے، بہت کم تھرڈ پارٹی سیکیورٹیز بیچوان، RTAs جیسےCAMS/کاروی، اور فنڈ ہاؤس کے مجاز مقامی نمائندے۔ زیادہ تر، براہ راست میوچل فنڈ سرمایہ کاری میں، نہیں۔آرن (درخواستحوالہ نمبرسرمایہ کار کی درخواست میں حوالہ دیا گیا ہے۔ لہذا، سرمایہ کاروں کو دیا جانے والا کمیشن بہت کم یا کبھی کبھی صفر ہوتا ہے۔ یہ صارفین کے حصول کی لاگت کو کم کرتا ہے۔اے ایم سی.

اخراجات کے تناسب کے علاوہ، براہ راست منصوبے بھی وہ ہیں جہاں فنڈ ہاؤس چارج نہیں کرتا ہے۔تقسیم کار اخراجات/ٹرانزیکشن چارجز/ٹریل فیس۔ خالص اثاثہ کی قیمت (نہیں ہیں) میوچل فنڈ سے براہ راست منصوبہ ایک باقاعدہ میوچل فنڈ پلان کے مقابلے زیادہ ہو سکتا ہے۔

چونکہ براہ راست منصوبہ کے اخراجات کا تناسب کم ہے، یہ کہا جاتا ہے کہ سرمایہ کاروں کو باقاعدہ منصوبوں کے مقابلے میں زیادہ منافع ملے گا۔ تقریباً 0.5 فیصد سے 1.5 فیصد کی واپسی زیادہ ہوگی، فنڈ ہاؤس کے اخراجات کے تناسب پر منحصر ہے۔ لہذا، مثالی طور پر، سرمایہ کار جو اخراجات کے تناسب کو کم کرکے اپنے منافع میں اضافہ کرنا چاہتے ہیں وہ براہ راست میوچل فنڈ کے منصوبوں میں سرمایہ کاری کر سکتے ہیں۔

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ہندوستان میں سرمایہ کاری کے لیے بہترین براہ راست میوچل فنڈز

یہاں کچھ بہترین براہ راست میوچل فنڈ پر مبنی منصوبے ہیں، ایکویٹی اور ہائبرڈ 3 سال کے منافع، 1 سال کے منافع پر قرض، جن پر آپ سرمایہ کاری کرتے وقت غور کر سکتے ہیں۔

بہترین براہ راست میوچل فنڈ پلانز- ایکویٹی کیٹیگری

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Franklin India Opportunities Fund - Direct Growth	₹282.403 ↑ 0.25	₹7,376	4.7	20.8	1.3	30	29.6	39.2
Franklin Build India Fund - Direct Growth	₹160.917 ↓ -0.61	₹2,950	0.9	18.2	-3.2	28.4	33.4	29.1
Franklin India Smaller Companies Fund - Direct Growth	₹191.067 ↓ -0.45	₹13,825	-1.7	18.1	-9	23.7	30.6	24.2
Franklin India Technology Fund - Direct Growth	₹563.978 ↓ -1.32	₹1,888	3.3	7.8	-5.7	23.5	21.2	29.8
Franklin India Feeder - Franklin U S Opportunities Fund - Direct Growth	₹89.9582 ↑ 0.85	₹4,223	8.5	10.9	19.6	23	12.5	28.4
Franklin India Prima Fund - Direct Growth	₹3,067.85 ↓ -10.53	₹12,540	0.6	17	-1.7	22.7	25.3	32.9
DSP Micro Cap Fund - Direct Growth	₹215.767 ↓ -1.33	₹17,005	0.5	24.5	-2	21.3	28.5	26.7
Sundaram SMILE Fund - Direct Growth	₹283.603 ↓ -0.46	₹3,394	1.1	23.1	-3.1	21.1	29.1	20.4
Edelweiss Economic Resurgence Fund - Direct Growth	₹43.805 ↓ -0.02	₹2,768	2.7	15.8	-1.7	19.6	23.6	27.4
Franklin India Taxshield - Direct Growth	₹1,623.49 ↓ -0.53	₹6,706	-0.5	12.4	-2.7	19.3	24.2	23.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Sep 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin India Opportunities Fund - Direct	Franklin Build India Fund - Direct	Franklin India Smaller Companies Fund - Direct	Franklin India Technology Fund - Direct	Franklin India Feeder - Franklin U S Opportunities Fund - Direct	Franklin India Prima Fund - Direct	DSP Micro Cap Fund - Direct	Sundaram SMILE Fund - Direct	Edelweiss Economic Resurgence Fund - Direct	Franklin India Taxshield - Direct
Point 1	Upper mid AUM (₹7,376 Cr).	Bottom quartile AUM (₹2,950 Cr).	Top quartile AUM (₹13,825 Cr).	Bottom quartile AUM (₹1,888 Cr).	Lower mid AUM (₹4,223 Cr).	Upper mid AUM (₹12,540 Cr).	Highest AUM (₹17,005 Cr).	Lower mid AUM (₹3,394 Cr).	Bottom quartile AUM (₹2,768 Cr).	Upper mid AUM (₹6,706 Cr).
Point 2	Oldest track record among peers (12 yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (10+ yrs).	Established history (12+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 29.65% (upper mid).	5Y return: 33.39% (top quartile).	5Y return: 30.62% (top quartile).	5Y return: 21.16% (bottom quartile).	5Y return: 12.46% (bottom quartile).	5Y return: 25.33% (lower mid).	5Y return: 28.51% (upper mid).	5Y return: 29.08% (upper mid).	5Y return: 23.65% (bottom quartile).	5Y return: 24.21% (lower mid).
Point 6	3Y return: 30.01% (top quartile).	3Y return: 28.35% (top quartile).	3Y return: 23.68% (upper mid).	3Y return: 23.55% (upper mid).	3Y return: 22.99% (upper mid).	3Y return: 22.74% (lower mid).	3Y return: 21.25% (lower mid).	3Y return: 21.07% (bottom quartile).	3Y return: 19.61% (bottom quartile).	3Y return: 19.28% (bottom quartile).
Point 7	1Y return: 1.35% (top quartile).	1Y return: -3.21% (bottom quartile).	1Y return: -9.01% (bottom quartile).	1Y return: -5.66% (bottom quartile).	1Y return: 19.59% (top quartile).	1Y return: -1.72% (upper mid).	1Y return: -2.02% (upper mid).	1Y return: -3.05% (lower mid).	1Y return: -1.70% (upper mid).	1Y return: -2.71% (lower mid).
Point 8	Alpha: 3.08 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: -4.68 (bottom quartile).	Alpha: 3.44 (top quartile).	Alpha: -6.49 (bottom quartile).	Alpha: 2.37 (upper mid).	Alpha: 0.00 (bottom quartile).	Alpha: 4.24 (top quartile).	Alpha: 0.80 (lower mid).	Alpha: 0.94 (upper mid).
Point 9	Sharpe: -0.22 (upper mid).	Sharpe: -0.45 (bottom quartile).	Sharpe: -0.55 (bottom quartile).	Sharpe: -0.50 (bottom quartile).	Sharpe: 0.72 (top quartile).	Sharpe: -0.20 (upper mid).	Sharpe: -0.03 (top quartile).	Sharpe: -0.11 (upper mid).	Sharpe: -0.39 (lower mid).	Sharpe: -0.37 (lower mid).
Point 10	Information ratio: 2.01 (top quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.10 (upper mid).	Information ratio: 1.40 (upper mid).	Information ratio: -1.39 (bottom quartile).	Information ratio: 0.08 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: -0.29 (bottom quartile).	Information ratio: 1.07 (upper mid).	Information ratio: 1.58 (top quartile).

Franklin India Opportunities Fund - Direct

Upper mid AUM (₹7,376 Cr).
Oldest track record among peers (12 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 29.65% (upper mid).
3Y return: 30.01% (top quartile).
1Y return: 1.35% (top quartile).
Alpha: 3.08 (upper mid).
Sharpe: -0.22 (upper mid).
Information ratio: 2.01 (top quartile).

Franklin Build India Fund - Direct

Bottom quartile AUM (₹2,950 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: High.
5Y return: 33.39% (top quartile).
3Y return: 28.35% (top quartile).
1Y return: -3.21% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.45 (bottom quartile).
Information ratio: 0.00 (lower mid).

Franklin India Smaller Companies Fund - Direct

Top quartile AUM (₹13,825 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 30.62% (top quartile).
3Y return: 23.68% (upper mid).
1Y return: -9.01% (bottom quartile).
Alpha: -4.68 (bottom quartile).
Sharpe: -0.55 (bottom quartile).
Information ratio: 0.10 (upper mid).

Franklin India Technology Fund - Direct

Bottom quartile AUM (₹1,888 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: High.
5Y return: 21.16% (bottom quartile).
3Y return: 23.55% (upper mid).
1Y return: -5.66% (bottom quartile).
Alpha: 3.44 (top quartile).
Sharpe: -0.50 (bottom quartile).
Information ratio: 1.40 (upper mid).

Franklin India Feeder - Franklin U S Opportunities Fund - Direct

Lower mid AUM (₹4,223 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: High.
5Y return: 12.46% (bottom quartile).
3Y return: 22.99% (upper mid).
1Y return: 19.59% (top quartile).
Alpha: -6.49 (bottom quartile).
Sharpe: 0.72 (top quartile).
Information ratio: -1.39 (bottom quartile).

Franklin India Prima Fund - Direct

Upper mid AUM (₹12,540 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.33% (lower mid).
3Y return: 22.74% (lower mid).
1Y return: -1.72% (upper mid).
Alpha: 2.37 (upper mid).
Sharpe: -0.20 (upper mid).
Information ratio: 0.08 (lower mid).

DSP Micro Cap Fund - Direct

Highest AUM (₹17,005 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 28.51% (upper mid).
3Y return: 21.25% (lower mid).
1Y return: -2.02% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.03 (top quartile).
Information ratio: 0.00 (bottom quartile).

Sundaram SMILE Fund - Direct

Lower mid AUM (₹3,394 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 29.08% (upper mid).
3Y return: 21.07% (bottom quartile).
1Y return: -3.05% (lower mid).
Alpha: 4.24 (top quartile).
Sharpe: -0.11 (upper mid).
Information ratio: -0.29 (bottom quartile).

Edelweiss Economic Resurgence Fund - Direct

Bottom quartile AUM (₹2,768 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 23.65% (bottom quartile).
3Y return: 19.61% (bottom quartile).
1Y return: -1.70% (upper mid).
Alpha: 0.80 (lower mid).
Sharpe: -0.39 (lower mid).
Information ratio: 1.07 (upper mid).

Franklin India Taxshield - Direct

Upper mid AUM (₹6,706 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 24.21% (lower mid).
3Y return: 19.28% (bottom quartile).
1Y return: -2.71% (lower mid).
Alpha: 0.94 (upper mid).
Sharpe: -0.37 (lower mid).
Information ratio: 1.58 (top quartile).

بہترین براہ راست میوچل فنڈ پلانز- قرض کیٹیگری

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Franklin India Income Builder Account - Plan A - Direct Growth	₹109.149 ↑ 0.05	₹1,109	1	6	10	8.1	6.8	8.2
Axis Corporate Debt Opportunities Fund - Direct Growth	₹18.2896 ↑ 0.02	₹9,403	0.8	5.1	9.1	8.1	6.8	8.7
HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth	₹51.5927 ↑ 0.01	₹15,497	1.3	4.5	8.4	8.1	6.8	8.5
UTI Short Term Income Fund - Direct Growth	₹34.1273 ↑ 0.02	₹3,296	1	4.6	8.4	7.9	7.5	8.4
Franklin India Banking And PSU Debt Fund - Direct Growth	₹23.6918 ↑ 0.01	₹539	0.9	4.5	8.2	7.5	6.1	8.1
Franklin India Savings Plus Fund Retail Option - Direct Growth	₹52.5303 ↑ 0.01	₹4,080	1.6	4.2	8.1	7.6	6.1	7.8
UTI Money Market Fund - Direct Growth	₹3,162.91 ↑ 0.43	₹20,554	1.6	4.2	8	7.6	6.2	7.8
UTI Treasury Advantage Fund - Direct Growth	₹3,649.3 ↑ 1.09	₹3,211	1.5	4.2	8	7.5	7.2	7.8
Edelweiss Bond Fund - Direct Growth	₹31.7508 ↑ 0.00	₹2,240	1.6	4.1	7.9	7.4	5.9	7.7
Reliance Dynamic Bond Fund - Direct Growth	₹40.1209 ↑ 0.05	₹4,629	-0.8	4.1	7.8	7.8	5.9	9.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Sep 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin India Income Builder Account - Plan A - Direct	Axis Corporate Debt Opportunities Fund - Direct	HDFC Floating Rate Income Fund - Short Term Plan - Direct	UTI Short Term Income Fund - Direct	Franklin India Banking And PSU Debt Fund - Direct	Franklin India Savings Plus Fund Retail Option - Direct	UTI Money Market Fund - Direct	UTI Treasury Advantage Fund - Direct	Edelweiss Bond Fund - Direct	Reliance Dynamic Bond Fund - Direct
Point 1	Bottom quartile AUM (₹1,109 Cr).	Upper mid AUM (₹9,403 Cr).	Top quartile AUM (₹15,497 Cr).	Lower mid AUM (₹3,296 Cr).	Bottom quartile AUM (₹539 Cr).	Upper mid AUM (₹4,080 Cr).	Highest AUM (₹20,554 Cr).	Lower mid AUM (₹3,211 Cr).	Bottom quartile AUM (₹2,240 Cr).	Upper mid AUM (₹4,629 Cr).
Point 2	Oldest track record among peers (12 yrs).	Established history (8+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (11+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 10.03% (top quartile).	1Y return: 9.07% (top quartile).	1Y return: 8.39% (upper mid).	1Y return: 8.38% (upper mid).	1Y return: 8.24% (upper mid).	1Y return: 8.06% (lower mid).	1Y return: 8.01% (lower mid).	1Y return: 7.95% (bottom quartile).	1Y return: 7.92% (bottom quartile).	1Y return: 7.85% (bottom quartile).
Point 6	1M return: 0.01% (lower mid).	1M return: -0.07% (bottom quartile).	1M return: 0.17% (upper mid).	1M return: 0.04% (lower mid).	1M return: -0.03% (bottom quartile).	1M return: 0.43% (top quartile).	1M return: 0.44% (top quartile).	1M return: 0.37% (upper mid).	1M return: 0.41% (upper mid).	1M return: -0.89% (bottom quartile).
Point 7	Sharpe: 1.87 (bottom quartile).	Sharpe: 2.15 (lower mid).	Sharpe: 2.82 (upper mid).	Sharpe: 2.17 (lower mid).	Sharpe: 2.01 (bottom quartile).	Sharpe: 3.37 (top quartile).	Sharpe: 3.45 (top quartile).	Sharpe: 3.08 (upper mid).	Sharpe: 3.30 (upper mid).	Sharpe: 1.54 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.85% (top quartile).	Yield to maturity (debt): 6.74% (upper mid).	Yield to maturity (debt): 6.98% (top quartile).	Yield to maturity (debt): 6.75% (upper mid).	Yield to maturity (debt): 6.77% (upper mid).	Yield to maturity (debt): 6.08% (bottom quartile).	Yield to maturity (debt): 6.16% (bottom quartile).	Yield to maturity (debt): 6.55% (lower mid).	Yield to maturity (debt): 6.08% (bottom quartile).	Yield to maturity (debt): 6.56% (lower mid).
Point 10	Modified duration: 2.47 yrs (lower mid).	Modified duration: 3.07 yrs (bottom quartile).	Modified duration: 1.63 yrs (upper mid).	Modified duration: 2.58 yrs (bottom quartile).	Modified duration: 2.53 yrs (lower mid).	Modified duration: 0.49 yrs (top quartile).	Modified duration: 0.56 yrs (top quartile).	Modified duration: 0.87 yrs (upper mid).	Modified duration: 0.65 yrs (upper mid).	Modified duration: 4.01 yrs (bottom quartile).

Franklin India Income Builder Account - Plan A - Direct

Bottom quartile AUM (₹1,109 Cr).
Oldest track record among peers (12 yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 10.03% (top quartile).
1M return: 0.01% (lower mid).
Sharpe: 1.87 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.85% (top quartile).
Modified duration: 2.47 yrs (lower mid).

Axis Corporate Debt Opportunities Fund - Direct

Upper mid AUM (₹9,403 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 9.07% (top quartile).
1M return: -0.07% (bottom quartile).
Sharpe: 2.15 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.74% (upper mid).
Modified duration: 3.07 yrs (bottom quartile).

HDFC Floating Rate Income Fund - Short Term Plan - Direct

Top quartile AUM (₹15,497 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 8.39% (upper mid).
1M return: 0.17% (upper mid).
Sharpe: 2.82 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.98% (top quartile).
Modified duration: 1.63 yrs (upper mid).

UTI Short Term Income Fund - Direct

Lower mid AUM (₹3,296 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 8.38% (upper mid).
1M return: 0.04% (lower mid).
Sharpe: 2.17 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.75% (upper mid).
Modified duration: 2.58 yrs (bottom quartile).

Franklin India Banking And PSU Debt Fund - Direct

Bottom quartile AUM (₹539 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 8.24% (upper mid).
1M return: -0.03% (bottom quartile).
Sharpe: 2.01 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.77% (upper mid).
Modified duration: 2.53 yrs (lower mid).

Franklin India Savings Plus Fund Retail Option - Direct

Upper mid AUM (₹4,080 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 8.06% (lower mid).
1M return: 0.43% (top quartile).
Sharpe: 3.37 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.08% (bottom quartile).
Modified duration: 0.49 yrs (top quartile).

UTI Money Market Fund - Direct

Highest AUM (₹20,554 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 8.01% (lower mid).
1M return: 0.44% (top quartile).
Sharpe: 3.45 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.16% (bottom quartile).
Modified duration: 0.56 yrs (top quartile).

UTI Treasury Advantage Fund - Direct

Lower mid AUM (₹3,211 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 7.95% (bottom quartile).
1M return: 0.37% (upper mid).
Sharpe: 3.08 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.55% (lower mid).
Modified duration: 0.87 yrs (upper mid).

Edelweiss Bond Fund - Direct

Bottom quartile AUM (₹2,240 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 7.92% (bottom quartile).
1M return: 0.41% (upper mid).
Sharpe: 3.30 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.08% (bottom quartile).
Modified duration: 0.65 yrs (upper mid).

Reliance Dynamic Bond Fund - Direct

Upper mid AUM (₹4,629 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 7.85% (bottom quartile).
1M return: -0.89% (bottom quartile).
Sharpe: 1.54 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.56% (lower mid).
Modified duration: 4.01 yrs (bottom quartile).

بہترین براہ راست میوچل فنڈ پلانز- ہائبرڈ کیٹیگری

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
JM Balanced Fund - Direct Growth	₹136.795 ↓ -0.22	₹841	1.8	10.3	-6.1	21.8	22.5	29.3
UTI Wealth Builder Fund - Direct Growth	₹82.9559 ↓ -0.01	₹5,902	2.4	11.8	3.9	20.2	16.8	21.9
Edelweiss Prudent Advantage Fund - Direct Growth	₹72.89 ↓ -0.11	₹2,994	1.4	12.9	2.4	19.2	21.7	22.2
UTI Balanced Fund - Direct Growth	₹428.403 ↓ -0.22	₹6,422	-0.2	9.7	-0.9	16.5	20.2	20.5
BNP Paribas Balanced Fund - Direct Growth	₹31.6223 ↓ -0.04	₹1,230	0.1	11.5	0.2	16	18.2	21.2
Franklin India Balanced Fund - Direct Growth	₹307.154 ↓ -0.09	₹2,256	0.2	10.4	1.3	15.9	18.8	18.9
Axis Dynamic Equity Fund - Direct Growth	₹23.23 ↑ 0.02	₹3,431	0.3	8.3	2.9	14.6	14.5	19
Edelweiss Equity Savings Advantage Fund - Direct Growth	₹28.141 ↑ 0.00	₹750	2.9	8.5	7.6	12.3	12.1	14.5
UTI SPREAD Fund - Direct Growth	₹37.7191 ↑ 0.03	₹8,512	1.7	3.7	7.4	7.6	6.3	8.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Sep 25

Research Highlights & Commentary of 9 Funds showcased

Commentary	JM Balanced Fund - Direct	UTI Wealth Builder Fund - Direct	Edelweiss Prudent Advantage Fund - Direct	UTI Balanced Fund - Direct	BNP Paribas Balanced Fund - Direct	Franklin India Balanced Fund - Direct	Axis Dynamic Equity Fund - Direct	Edelweiss Equity Savings Advantage Fund - Direct	UTI SPREAD Fund - Direct
Point 1	Bottom quartile AUM (₹841 Cr).	Upper mid AUM (₹5,902 Cr).	Lower mid AUM (₹2,994 Cr).	Top quartile AUM (₹6,422 Cr).	Bottom quartile AUM (₹1,230 Cr).	Lower mid AUM (₹2,256 Cr).	Upper mid AUM (₹3,431 Cr).	Bottom quartile AUM (₹750 Cr).	Highest AUM (₹8,512 Cr).
Point 2	Oldest track record among peers (12 yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (8+ yrs).	Established history (12+ yrs).	Established history (8+ yrs).	Established history (10+ yrs).	Established history (12+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately Low.
Point 5	5Y return: 22.49% (top quartile).	5Y return: 16.81% (lower mid).	5Y return: 21.73% (top quartile).	5Y return: 20.24% (upper mid).	5Y return: 18.20% (lower mid).	5Y return: 18.83% (upper mid).	5Y return: 14.55% (bottom quartile).	5Y return: 12.11% (bottom quartile).	5Y return: 6.29% (bottom quartile).
Point 6	3Y return: 21.80% (top quartile).	3Y return: 20.20% (top quartile).	3Y return: 19.16% (upper mid).	3Y return: 16.48% (upper mid).	3Y return: 15.97% (lower mid).	3Y return: 15.95% (lower mid).	3Y return: 14.64% (bottom quartile).	3Y return: 12.35% (bottom quartile).	3Y return: 7.65% (bottom quartile).
Point 7	1Y return: -6.15% (bottom quartile).	1Y return: 3.89% (upper mid).	1Y return: 2.43% (lower mid).	1Y return: -0.88% (bottom quartile).	1Y return: 0.18% (bottom quartile).	1Y return: 1.25% (lower mid).	1Y return: 2.88% (upper mid).	1Y return: 7.58% (top quartile).	1Y return: 7.39% (top quartile).
Point 8	1M return: -0.47% (bottom quartile).	1M return: 1.14% (top quartile).	1M return: 0.15% (lower mid).	1M return: -0.64% (bottom quartile).	1M return: -0.49% (bottom quartile).	1M return: -0.18% (lower mid).	1M return: 0.26% (upper mid).	1M return: 1.09% (top quartile).	1M return: 0.53% (upper mid).
Point 9	Alpha: -5.77 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 2.86 (top quartile).	Alpha: 0.29 (upper mid).	Alpha: 0.10 (upper mid).	Alpha: 0.94 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.79 (bottom quartile).	Sharpe: -0.15 (upper mid).	Sharpe: -0.14 (upper mid).	Sharpe: -0.35 (bottom quartile).	Sharpe: -0.37 (bottom quartile).	Sharpe: -0.28 (lower mid).	Sharpe: -0.15 (lower mid).	Sharpe: 0.41 (top quartile).	Sharpe: 2.95 (top quartile).

JM Balanced Fund - Direct

Bottom quartile AUM (₹841 Cr).
Oldest track record among peers (12 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.49% (top quartile).
3Y return: 21.80% (top quartile).
1Y return: -6.15% (bottom quartile).
1M return: -0.47% (bottom quartile).
Alpha: -5.77 (bottom quartile).
Sharpe: -0.79 (bottom quartile).

UTI Wealth Builder Fund - Direct

Upper mid AUM (₹5,902 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.81% (lower mid).
3Y return: 20.20% (top quartile).
1Y return: 3.89% (upper mid).
1M return: 1.14% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.15 (upper mid).

Edelweiss Prudent Advantage Fund - Direct

Lower mid AUM (₹2,994 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 21.73% (top quartile).
3Y return: 19.16% (upper mid).
1Y return: 2.43% (lower mid).
1M return: 0.15% (lower mid).
Alpha: 2.86 (top quartile).
Sharpe: -0.14 (upper mid).

UTI Balanced Fund - Direct

Top quartile AUM (₹6,422 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.24% (upper mid).
3Y return: 16.48% (upper mid).
1Y return: -0.88% (bottom quartile).
1M return: -0.64% (bottom quartile).
Alpha: 0.29 (upper mid).
Sharpe: -0.35 (bottom quartile).

BNP Paribas Balanced Fund - Direct

Bottom quartile AUM (₹1,230 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.20% (lower mid).
3Y return: 15.97% (lower mid).
1Y return: 0.18% (bottom quartile).
1M return: -0.49% (bottom quartile).
Alpha: 0.10 (upper mid).
Sharpe: -0.37 (bottom quartile).

Franklin India Balanced Fund - Direct

Lower mid AUM (₹2,256 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.83% (upper mid).
3Y return: 15.95% (lower mid).
1Y return: 1.25% (lower mid).
1M return: -0.18% (lower mid).
Alpha: 0.94 (top quartile).
Sharpe: -0.28 (lower mid).

Axis Dynamic Equity Fund - Direct

Upper mid AUM (₹3,431 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.55% (bottom quartile).
3Y return: 14.64% (bottom quartile).
1Y return: 2.88% (upper mid).
1M return: 0.26% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.15 (lower mid).

Edelweiss Equity Savings Advantage Fund - Direct

Bottom quartile AUM (₹750 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 12.11% (bottom quartile).
3Y return: 12.35% (bottom quartile).
1Y return: 7.58% (top quartile).
1M return: 1.09% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.41 (top quartile).

UTI SPREAD Fund - Direct

Highest AUM (₹8,512 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately Low.
5Y return: 6.29% (bottom quartile).
3Y return: 7.65% (bottom quartile).
1Y return: 7.39% (top quartile).
1M return: 0.53% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.95 (top quartile).

Disclaimer:
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔