سرمایہ کاری کے لیے ٹاپ 10 بہترین براہ راست میوچل فنڈز

Updated on August 19, 2026 , 21685 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 Asian Equity Fund - Direct Growth	₹50.7379 ↑ 0.35	₹954	5.7	18.3	46	24.9	10.6	24.7
Franklin India Opportunities Fund - Direct Growth	₹299.783 ↑ 0.44	₹9,344	10.4	5.3	5.9	23.3	20.2	4.4
Franklin India Feeder - Franklin U S Opportunities Fund - Direct Growth	₹103.994 ↓ -0.92	₹5,800	-0.5	15	19.3	23.1	10.3	12.4
IDBI Small Cap Fund - Direct Growth	₹39.9127 ↑ 0.03	₹758	12.6	23.4	19.1	20.5	20.1	-12.1
Sundaram SMILE Fund - Direct Growth	₹337.386 ↑ 0.47	₹3,922	9.8	18.7	18.3	19.6	18.9	1.5
Franklin Build India Fund - Direct Growth	₹167.072 ↑ 0.04	₹3,199	-0.2	-3.4	2.1	19.6	21.3	4.8
DSP Micro Cap Fund - Direct Growth	₹257.488 ↑ 0.65	₹20,221	13.8	19.8	18.9	19.6	19.8	-1.9
Franklin India Prima Fund - Direct Growth	₹3,271.75 ↓ -2.80	₹12,871	7.9	6	5.2	18.6	16.2	2.4
Edelweiss Economic Resurgence Fund - Direct Growth	₹46.577 ↑ 0.01	₹3,613	5.7	1.5	5.3	16.7	14.9	7
Franklin India Smaller Companies Fund - Direct Growth	₹207.518 ↓ -0.02	₹14,467	7.6	12.3	7.6	15.8	18.6	-7.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Aug 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin Asian Equity Fund - Direct	Franklin India Opportunities Fund - Direct	Franklin India Feeder - Franklin U S Opportunities Fund - Direct	IDBI Small Cap Fund - Direct	Sundaram SMILE Fund - Direct	Franklin Build India Fund - Direct	DSP Micro Cap Fund - Direct	Franklin India Prima Fund - Direct	Edelweiss Economic Resurgence Fund - Direct	Franklin India Smaller Companies Fund - Direct
Point 1	Bottom quartile AUM (₹954 Cr).	Upper mid AUM (₹9,344 Cr).	Upper mid AUM (₹5,800 Cr).	Bottom quartile AUM (₹758 Cr).	Lower mid AUM (₹3,922 Cr).	Bottom quartile AUM (₹3,199 Cr).	Highest AUM (₹20,221 Cr).	Upper mid AUM (₹12,871 Cr).	Lower mid AUM (₹3,613 Cr).	Top quartile AUM (₹14,467 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (9+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 10.62% (bottom quartile).	5Y return: 20.21% (top quartile).	5Y return: 10.30% (bottom quartile).	5Y return: 20.11% (upper mid).	5Y return: 18.93% (upper mid).	5Y return: 21.26% (top quartile).	5Y return: 19.81% (upper mid).	5Y return: 16.16% (lower mid).	5Y return: 14.93% (bottom quartile).	5Y return: 18.62% (lower mid).
Point 6	3Y return: 24.86% (top quartile).	3Y return: 23.27% (top quartile).	3Y return: 23.10% (upper mid).	3Y return: 20.54% (upper mid).	3Y return: 19.64% (upper mid).	3Y return: 19.60% (lower mid).	3Y return: 19.55% (lower mid).	3Y return: 18.63% (bottom quartile).	3Y return: 16.70% (bottom quartile).	3Y return: 15.76% (bottom quartile).
Point 7	1Y return: 45.97% (top quartile).	1Y return: 5.91% (lower mid).	1Y return: 19.33% (top quartile).	1Y return: 19.11% (upper mid).	1Y return: 18.31% (upper mid).	1Y return: 2.14% (bottom quartile).	1Y return: 18.86% (upper mid).	1Y return: 5.15% (bottom quartile).	1Y return: 5.30% (bottom quartile).	1Y return: 7.58% (lower mid).
Point 8	Alpha: 0.00 (upper mid).	Alpha: 0.98 (upper mid).	Alpha: -2.76 (bottom quartile).	Alpha: 5.50 (top quartile).	Alpha: 6.43 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (lower mid).	Alpha: -4.87 (bottom quartile).	Alpha: 2.34 (upper mid).	Alpha: -2.12 (bottom quartile).
Point 9	Sharpe: 1.30 (top quartile).	Sharpe: 0.02 (lower mid).	Sharpe: 0.53 (top quartile).	Sharpe: 0.32 (upper mid).	Sharpe: 0.35 (upper mid).	Sharpe: -0.06 (bottom quartile).	Sharpe: 0.34 (upper mid).	Sharpe: -0.02 (bottom quartile).	Sharpe: 0.11 (lower mid).	Sharpe: -0.01 (bottom quartile).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: 1.39 (top quartile).	Information ratio: -0.99 (bottom quartile).	Information ratio: 0.15 (upper mid).	Information ratio: 0.16 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: -0.19 (bottom quartile).	Information ratio: 1.15 (top quartile).	Information ratio: -0.40 (bottom quartile).

Franklin Asian Equity Fund - Direct

Bottom quartile AUM (₹954 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: High.
5Y return: 10.62% (bottom quartile).
3Y return: 24.86% (top quartile).
1Y return: 45.97% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.30 (top quartile).
Information ratio: 0.00 (upper mid).

Franklin India Opportunities Fund - Direct

Upper mid AUM (₹9,344 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.21% (top quartile).
3Y return: 23.27% (top quartile).
1Y return: 5.91% (lower mid).
Alpha: 0.98 (upper mid).
Sharpe: 0.02 (lower mid).
Information ratio: 1.39 (top quartile).

Franklin India Feeder - Franklin U S Opportunities Fund - Direct

Upper mid AUM (₹5,800 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: High.
5Y return: 10.30% (bottom quartile).
3Y return: 23.10% (upper mid).
1Y return: 19.33% (top quartile).
Alpha: -2.76 (bottom quartile).
Sharpe: 0.53 (top quartile).
Information ratio: -0.99 (bottom quartile).

IDBI Small Cap Fund - Direct

Bottom quartile AUM (₹758 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.11% (upper mid).
3Y return: 20.54% (upper mid).
1Y return: 19.11% (upper mid).
Alpha: 5.50 (top quartile).
Sharpe: 0.32 (upper mid).
Information ratio: 0.15 (upper mid).

Sundaram SMILE Fund - Direct

Lower mid AUM (₹3,922 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.93% (upper mid).
3Y return: 19.64% (upper mid).
1Y return: 18.31% (upper mid).
Alpha: 6.43 (top quartile).
Sharpe: 0.35 (upper mid).
Information ratio: 0.16 (upper mid).

Franklin Build India Fund - Direct

Bottom quartile AUM (₹3,199 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: High.
5Y return: 21.26% (top quartile).
3Y return: 19.60% (lower mid).
1Y return: 2.14% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.06 (bottom quartile).
Information ratio: 0.00 (lower mid).

DSP Micro Cap Fund - Direct

Highest AUM (₹20,221 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.81% (upper mid).
3Y return: 19.55% (lower mid).
1Y return: 18.86% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.34 (upper mid).
Information ratio: 0.00 (lower mid).

Franklin India Prima Fund - Direct

Upper mid AUM (₹12,871 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.16% (lower mid).
3Y return: 18.63% (bottom quartile).
1Y return: 5.15% (bottom quartile).
Alpha: -4.87 (bottom quartile).
Sharpe: -0.02 (bottom quartile).
Information ratio: -0.19 (bottom quartile).

Edelweiss Economic Resurgence Fund - Direct

Lower mid AUM (₹3,613 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 14.93% (bottom quartile).
3Y return: 16.70% (bottom quartile).
1Y return: 5.30% (bottom quartile).
Alpha: 2.34 (upper mid).
Sharpe: 0.11 (lower mid).
Information ratio: 1.15 (top quartile).

Franklin India Smaller Companies Fund - Direct

Top quartile AUM (₹14,467 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.62% (lower mid).
3Y return: 15.76% (bottom quartile).
1Y return: 7.58% (lower mid).
Alpha: -2.12 (bottom quartile).
Sharpe: -0.01 (bottom quartile).
Information ratio: -0.40 (bottom 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 Banking And PSU Debt Fund - Direct Growth	₹25.2032 ↓ -0.02	₹585	2.2	3.1	6.5	7.6	6.4	8.3
Franklin India Treasury Management Account - Regular Plan - Direct Growth	₹4,255.35 ↑ 0.61	₹5,601	1.8	3.4	6.5	7	6.3	6.7
Edelweiss Liquid Fund - Direct Growth	₹3,658.67 ↑ 0.46	₹13,796	1.7	3.4	6.5	7	6.3	6.6
UTI Liquid Cash Plan - Direct Growth	₹463.987 ↑ 0.06	₹26,728	1.7	3.4	6.5	7	6.3	6.6
Mahindra Liquid Fund - Direct Growth	₹1,843.65 ↑ 0.31	₹1,280	1.7	3.3	6.5	7	6.4	6.6
Edelweiss Bond Fund - Direct Growth	₹33.7277 ↓ 0.00	₹2,326	2.1	3.3	6.4	7.3	6.4	7.6
Franklin India Savings Plus Fund Retail Option - Direct Growth	₹55.7884 ↑ 0.00	₹4,205	2.1	3.3	6.4	7.4	6.6	7.6
UTI Money Market Fund - Direct Growth	₹3,358.57 ↓ -0.08	₹18,782	2.1	3.3	6.4	7.4	6.7	7.6
Franklin India Income Builder Account - Plan A - Direct Growth	₹115.907 ↓ -0.09	₹1,345	2.3	3	6.3	8.1	6.8	9.7
UTI Treasury Advantage Fund - Direct Growth	₹3,869.09 ↓ -0.84	₹2,386	2.1	3.1	6.2	7.3	7.5	7.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Aug 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin India Banking And PSU Debt Fund - Direct	Franklin India Treasury Management Account - Regular Plan - Direct	Edelweiss Liquid Fund - Direct	UTI Liquid Cash Plan - Direct	Mahindra Liquid Fund - Direct	Edelweiss Bond Fund - Direct	Franklin India Savings Plus Fund Retail Option - Direct	UTI Money Market Fund - Direct	Franklin India Income Builder Account - Plan A - Direct	UTI Treasury Advantage Fund - Direct
Point 1	Bottom quartile AUM (₹585 Cr).	Upper mid AUM (₹5,601 Cr).	Upper mid AUM (₹13,796 Cr).	Highest AUM (₹26,728 Cr).	Bottom quartile AUM (₹1,280 Cr).	Lower mid AUM (₹2,326 Cr).	Upper mid AUM (₹4,205 Cr).	Top quartile AUM (₹18,782 Cr).	Bottom quartile AUM (₹1,345 Cr).	Lower mid AUM (₹2,386 Cr).
Point 2	Established history (12+ yrs).	Oldest track record among peers (13 yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (10+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 6.52% (top quartile).	1Y return: 6.49% (top quartile).	1Y return: 6.49% (upper mid).	1Y return: 6.47% (upper mid).	1Y return: 6.46% (upper mid).	1Y return: 6.42% (lower mid).	1Y return: 6.40% (lower mid).	1Y return: 6.39% (bottom quartile).	1Y return: 6.31% (bottom quartile).	1Y return: 6.19% (bottom quartile).
Point 6	1M return: 0.42% (bottom quartile).	1M return: 0.55% (upper mid).	1M return: 0.53% (lower mid).	1M return: 0.53% (lower mid).	1M return: 0.56% (upper mid).	1M return: 0.58% (top quartile).	1M return: 0.58% (upper mid).	1M return: 0.58% (top quartile).	1M return: 0.39% (bottom quartile).	1M return: 0.49% (bottom quartile).
Point 7	Sharpe: 0.43 (bottom quartile).	Sharpe: 2.92 (top quartile).	Sharpe: 2.81 (upper mid).	Sharpe: 2.90 (top quartile).	Sharpe: 2.84 (upper mid).	Sharpe: 0.88 (lower mid).	Sharpe: 0.89 (upper mid).	Sharpe: 0.84 (lower mid).	Sharpe: 0.32 (bottom quartile).	Sharpe: 0.61 (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): 7.07% (upper mid).	Yield to maturity (debt): 6.37% (bottom quartile).	Yield to maturity (debt): 6.33% (bottom quartile).	Yield to maturity (debt): 6.31% (bottom quartile).	Yield to maturity (debt): 6.47% (lower mid).	Yield to maturity (debt): 6.81% (lower mid).	Yield to maturity (debt): 6.94% (upper mid).	Yield to maturity (debt): 6.87% (upper mid).	Yield to maturity (debt): 7.42% (top quartile).	Yield to maturity (debt): 7.20% (top quartile).
Point 10	Modified duration: 1.80 yrs (bottom quartile).	Modified duration: 0.18 yrs (upper mid).	Modified duration: 0.17 yrs (upper mid).	Modified duration: 0.16 yrs (top quartile).	Modified duration: 0.13 yrs (top quartile).	Modified duration: 0.55 yrs (lower mid).	Modified duration: 0.46 yrs (upper mid).	Modified duration: 0.55 yrs (lower mid).	Modified duration: 1.96 yrs (bottom quartile).	Modified duration: 0.75 yrs (bottom quartile).

Franklin India Banking And PSU Debt Fund - Direct

Bottom quartile AUM (₹585 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.52% (top quartile).
1M return: 0.42% (bottom quartile).
Sharpe: 0.43 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.07% (upper mid).
Modified duration: 1.80 yrs (bottom quartile).

Franklin India Treasury Management Account - Regular Plan - Direct

Upper mid AUM (₹5,601 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.49% (top quartile).
1M return: 0.55% (upper mid).
Sharpe: 2.92 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.37% (bottom quartile).
Modified duration: 0.18 yrs (upper mid).

Edelweiss Liquid Fund - Direct

Upper mid AUM (₹13,796 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.49% (upper mid).
1M return: 0.53% (lower mid).
Sharpe: 2.81 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.33% (bottom quartile).
Modified duration: 0.17 yrs (upper mid).

UTI Liquid Cash Plan - Direct

Highest AUM (₹26,728 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.47% (upper mid).
1M return: 0.53% (lower mid).
Sharpe: 2.90 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.31% (bottom quartile).
Modified duration: 0.16 yrs (top quartile).

Mahindra Liquid Fund - Direct

Bottom quartile AUM (₹1,280 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.46% (upper mid).
1M return: 0.56% (upper mid).
Sharpe: 2.84 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.47% (lower mid).
Modified duration: 0.13 yrs (top quartile).

Edelweiss Bond Fund - Direct

Lower mid AUM (₹2,326 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.42% (lower mid).
1M return: 0.58% (top quartile).
Sharpe: 0.88 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.81% (lower mid).
Modified duration: 0.55 yrs (lower mid).

Franklin India Savings Plus Fund Retail Option - Direct

Upper mid AUM (₹4,205 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.40% (lower mid).
1M return: 0.58% (upper mid).
Sharpe: 0.89 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.94% (upper mid).
Modified duration: 0.46 yrs (upper mid).

UTI Money Market Fund - Direct

Top quartile AUM (₹18,782 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.39% (bottom quartile).
1M return: 0.58% (top quartile).
Sharpe: 0.84 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.87% (upper mid).
Modified duration: 0.55 yrs (lower mid).

Franklin India Income Builder Account - Plan A - Direct

Bottom quartile AUM (₹1,345 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.31% (bottom quartile).
1M return: 0.39% (bottom quartile).
Sharpe: 0.32 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.42% (top quartile).
Modified duration: 1.96 yrs (bottom quartile).

UTI Treasury Advantage Fund - Direct

Lower mid AUM (₹2,386 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.19% (bottom quartile).
1M return: 0.49% (bottom quartile).
Sharpe: 0.61 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.20% (top quartile).
Modified duration: 0.75 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 (%)
UTI Wealth Builder Fund - Direct Growth	₹90.189 ↑ 0.31	₹6,998	3.4	1.4	9	17.6	14.6	12.4
Edelweiss Prudent Advantage Fund - Direct Growth	₹77.07 ↓ -0.05	₹3,907	4.6	2.9	4.8	15	14.9	7.6
JM Balanced Fund - Direct Growth	₹142.213 ↑ 0.25	₹704	7.9	4.7	3.5	15	15	-1.6
Axis Dynamic Equity Fund - Direct Growth	₹24.49 ↑ 0.01	₹3,859	4.3	1.4	4.7	13.3	10.6	8.2
BNP Paribas Balanced Fund - Direct Growth	₹33.1096 ↑ 0.05	₹1,252	3.9	2.1	3.8	12.8	11.9	5.3
UTI Balanced Fund - Direct Growth	₹445.723 ↑ 0.26	₹6,760	3.9	-0.2	2.7	12.5	12.6	7.1
Edelweiss Equity Savings Advantage Fund - Direct Growth	₹30.6052 ↑ 0.02	₹1,530	4.2	5.3	8.7	11.9	10.2	9
Franklin India Balanced Fund - Direct Growth	₹312.33 ↓ -0.50	₹2,364	4.4	-0.1	0.4	11.7	10.9	4.7
UTI SPREAD Fund - Direct Growth	₹40.1259 ↑ 0.05	₹11,152	1.8	3.3	6.6	7.5	6.7	7.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Aug 26

Research Highlights & Commentary of 9 Funds showcased

Commentary	UTI Wealth Builder Fund - Direct	Edelweiss Prudent Advantage Fund - Direct	JM Balanced Fund - Direct	Axis Dynamic Equity Fund - Direct	BNP Paribas Balanced Fund - Direct	UTI Balanced Fund - Direct	Edelweiss Equity Savings Advantage Fund - Direct	Franklin India Balanced Fund - Direct	UTI SPREAD Fund - Direct
Point 1	Top quartile AUM (₹6,998 Cr).	Upper mid AUM (₹3,907 Cr).	Bottom quartile AUM (₹704 Cr).	Lower mid AUM (₹3,859 Cr).	Bottom quartile AUM (₹1,252 Cr).	Upper mid AUM (₹6,760 Cr).	Bottom quartile AUM (₹1,530 Cr).	Lower mid AUM (₹2,364 Cr).	Highest AUM (₹11,152 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (9+ yrs).	Established history (9+ yrs).	Established history (13+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
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: 14.62% (upper mid).	5Y return: 14.88% (top quartile).	5Y return: 15.04% (top quartile).	5Y return: 10.64% (bottom quartile).	5Y return: 11.93% (lower mid).	5Y return: 12.59% (upper mid).	5Y return: 10.17% (bottom quartile).	5Y return: 10.85% (lower mid).	5Y return: 6.65% (bottom quartile).
Point 6	3Y return: 17.56% (top quartile).	3Y return: 15.00% (top quartile).	3Y return: 14.95% (upper mid).	3Y return: 13.27% (upper mid).	3Y return: 12.78% (lower mid).	3Y return: 12.45% (lower mid).	3Y return: 11.95% (bottom quartile).	3Y return: 11.65% (bottom quartile).	3Y return: 7.48% (bottom quartile).
Point 7	1Y return: 9.00% (top quartile).	1Y return: 4.77% (upper mid).	1Y return: 3.48% (bottom quartile).	1Y return: 4.66% (lower mid).	1Y return: 3.75% (lower mid).	1Y return: 2.65% (bottom quartile).	1Y return: 8.66% (top quartile).	1Y return: 0.36% (bottom quartile).	1Y return: 6.64% (upper mid).
Point 8	1M return: 2.23% (top quartile).	1M return: 1.43% (lower mid).	1M return: 3.64% (top quartile).	1M return: 0.99% (lower mid).	1M return: 1.90% (upper mid).	1M return: 0.80% (bottom quartile).	1M return: 1.51% (upper mid).	1M return: 0.87% (bottom quartile).	1M return: 0.64% (bottom quartile).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 1.54 (top quartile).	Alpha: -1.20 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: -0.15 (lower mid).	Alpha: -0.91 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: -3.16 (bottom quartile).	Alpha: 0.00 (lower mid).
Point 10	Sharpe: 0.26 (upper mid).	Sharpe: 0.00 (upper mid).	Sharpe: -0.20 (bottom quartile).	Sharpe: -0.02 (lower mid).	Sharpe: -0.13 (lower mid).	Sharpe: -0.19 (bottom quartile).	Sharpe: 0.56 (top quartile).	Sharpe: -0.39 (bottom quartile).	Sharpe: 1.21 (top quartile).

UTI Wealth Builder Fund - Direct

Top quartile AUM (₹6,998 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.62% (upper mid).
3Y return: 17.56% (top quartile).
1Y return: 9.00% (top quartile).
1M return: 2.23% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.26 (upper mid).

Edelweiss Prudent Advantage Fund - Direct

Upper mid AUM (₹3,907 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.88% (top quartile).
3Y return: 15.00% (top quartile).
1Y return: 4.77% (upper mid).
1M return: 1.43% (lower mid).
Alpha: 1.54 (top quartile).
Sharpe: 0.00 (upper mid).

JM Balanced Fund - Direct

Bottom quartile AUM (₹704 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.04% (top quartile).
3Y return: 14.95% (upper mid).
1Y return: 3.48% (bottom quartile).
1M return: 3.64% (top quartile).
Alpha: -1.20 (bottom quartile).
Sharpe: -0.20 (bottom quartile).

Axis Dynamic Equity Fund - Direct

Lower mid AUM (₹3,859 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.64% (bottom quartile).
3Y return: 13.27% (upper mid).
1Y return: 4.66% (lower mid).
1M return: 0.99% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.02 (lower mid).

BNP Paribas Balanced Fund - Direct

Bottom quartile AUM (₹1,252 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.93% (lower mid).
3Y return: 12.78% (lower mid).
1Y return: 3.75% (lower mid).
1M return: 1.90% (upper mid).
Alpha: -0.15 (lower mid).
Sharpe: -0.13 (lower mid).

UTI Balanced Fund - Direct

Upper mid AUM (₹6,760 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 12.59% (upper mid).
3Y return: 12.45% (lower mid).
1Y return: 2.65% (bottom quartile).
1M return: 0.80% (bottom quartile).
Alpha: -0.91 (bottom quartile).
Sharpe: -0.19 (bottom quartile).

Edelweiss Equity Savings Advantage Fund - Direct

Bottom quartile AUM (₹1,530 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.17% (bottom quartile).
3Y return: 11.95% (bottom quartile).
1Y return: 8.66% (top quartile).
1M return: 1.51% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.56 (top quartile).

Franklin India Balanced Fund - Direct

Lower mid AUM (₹2,364 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.85% (lower mid).
3Y return: 11.65% (bottom quartile).
1Y return: 0.36% (bottom quartile).
1M return: 0.87% (bottom quartile).
Alpha: -3.16 (bottom quartile).
Sharpe: -0.39 (bottom quartile).

UTI SPREAD Fund - Direct

Highest AUM (₹11,152 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
5Y return: 6.65% (bottom quartile).
3Y return: 7.48% (bottom quartile).
1Y return: 6.64% (upper mid).
1M return: 0.64% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.21 (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۔