+91-22-48913909قرض باہمی فنڈز میں بہترین براہ راست منصوبے
باہمی فنڈ دو منصوبے پیش کرتا ہے۔ باقاعدہ اور براہ راست۔ اگرچہ باقاعدہ منصوبے کئی سالوں سے آپشن میں ہیں ، پہلا براہ راست منصوبہ سال 2013 میں متعارف کرایا گیا تھا۔ لیکن ، براہ راست منصوبے اپنی انوکھی خصوصیات اور فوائد کی وجہ سے نئے سرمایہ کاروں میں زبردست مقبولیت حاصل کررہے ہیں۔ اگرچہ ، فی الحال براہ راست منصوبے صرف ایک محدود پلیٹ فارم کے ذریعہ دستیاب ہیں ، لیکن اس کی طلب کو دیکھتے ہوئے ، بہت سے چینلز براہ راست منصوبے متعارف کروا رہے ہیں۔ سرمایہ کار جو سرمایہ کاری کرنا چاہتے ہیںقرض فنڈ براہ راست منصوبوں کا انتخاب کرکے ، یہاں ایک براہ راست فنڈز ، قرض کے فنڈز کے بارے میں مختصر تفہیم کے ساتھ کچھ بہترین براہ راست پین قرضوں کے فنڈز کی ایک جھلک ہے۔
براہ راست فنڈز آپ کے لئے کیوں ہیں؟
باقاعدہ فنڈز کے برعکس ، براہ راست فنڈز محدود چینلز کے ذریعہ دستیاب ہوتے ہیں جیسے میوچل فنڈ کمپنی ، آر ٹی اے جیسے کاروی /کیمز، محدود تیسری پارٹی کے سیکیورٹیز بیچوان ، اور فنڈ ہاؤس کے مجاز مقامی نمائندوں کو۔ وہ سرمایہ کار جو مشیر یا ثالث کی مدد کے بغیر آزادانہ طور پر اپنی سرمایہ کاری اور ان کی سرمایہ کاری کو ٹریک کرسکتے ہیں وہ فنڈ ہاؤس سے براہ راست منصوبوں میں سرمایہ کاری کرسکتے ہیں۔
براہ راست فنڈز میں ، باقاعدہ فنڈز کی طرح اخراجات کے معاوضے نہیں ہوتے ہیں۔ جیسا کہ نہیں ہیںتقسیم کار چارجز / ٹرانزیکشن چارجرز ، وغیرہ ، براہ راست منصوبوں کے اخراجات کا تناسب کم ہے۔ واپسی پر بھی اس کا اثر۔ چونکہ براہ راست میوچل فنڈ کے اخراجات کا تناسب کم ہوتا ہے ، اس کی واپسی باقاعدہ منصوبوں سے قدرے زیادہ ہوسکتی ہے۔ تقریبا 0.5 0.5 فیصد سے 1.5 فیصد زیادہ۔ یہ ایک وجہ ہے کہ سرمایہ کار براہ راست فنڈز کا انتخاب کررہے ہیں۔
مثالی طور پر ، anسرمایہ کار جو باہمی فنڈ کی سرمایہ کاری کا تجربہ رکھتا ہو اور مارکیٹ کی نقل و حرکت کے بارے میں عمدہ معلومات رکھتا ہو اسے براہ راست منصوبوں کو ترجیح دینی چاہئے۔ نئے سرمایہ کار جن کے بارے میں یقین نہیں ہےخطرہ بھوک اور مارکیٹ کو مثالی طور پر ترجیح دینی چاہئےباہمی چندہ باقاعدہ منصوبوں کے ساتھ۔
ڈیبٹ فنڈ کی سرمایہ کاری کو سمجھنا
ڈیبٹ فنڈز ایک قسم کے باہمی فنڈز ہیں جو بنیادی طور پر فکسڈ انکم سیکیورٹیز میں لگاتے ہیںبانڈز، سرکاری سیکیورٹیز ، خزانے کے بل وغیرہ ، اگر ہم قرض فنڈز کی درجہ بندی پر نگاہ ڈالیں تو ، انھیں پختگی ، مختصر ، درمیانی اور طویل مدتی مدت کے مطابق درجہ بندی کیا جاتا ہے۔ اس سے ان سرمایہ کاروں کو بہت سے اختیارات ملتے ہیں جو قرض کے فنڈز میں سرمایہ کاری کرنا چاہتے ہیں۔
جو لوگ سرمایہ کاری میں زیادہ خطرہ نہیں لینا چاہتے ہیں یا جو بچنا چاہتے ہیں ان کیلئے قرض فنڈز ایک اچھا اختیار ہےسرمایہ کاری انتہائی اتار چڑھاؤ میںایکویٹی فنڈز. یہ فنڈز مستقل اور مستحکم آمدنی فراہم کرتے ہیں ، تاہم ، ایکویٹی فنڈز کے مقابلے میں ریٹرن کم ملتے ہیں۔
پختگی کے مطابق قرض کے فنڈز کی اقسام
- مختصر مدت کے قرض کے فنڈز- راتوں رات فنڈز ،مائع فنڈز، الٹراقلیل مدتی فنڈز، کم دورانیے کے فنڈز
- میڈیم ٹرم ڈیبٹ فنڈز- مختصر مدت کے فنڈز ، درمیانی مدت کے فنڈز ، درمیانے درجے سے طویل مدتی فنڈز
- طویل مدتی قرض فنڈز- طویل مدت کے فنڈز
- بانڈ اورینٹڈ فنڈز-متحرک بانڈ فنڈز، کارپوریٹ بانڈ فنڈز
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بہترین ڈیبٹ میوچل فنڈز براہ راست منصوبے
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) 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
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
The fund seeks to provide income through a portfolio of debt and money market instruments consisting predominantly of securities issued by entities such as Banks and Public Sector Undertakings (PSUs). However, there is no assurance or guarantee that the objective of the scheme will be achieved. Below is the key information for Franklin India Banking And PSU Debt Fund - Direct Returns up to 1 year are on Aims to provide current income with high liquidity. Research Highlights for Franklin India Treasury Management Account - Regular Plan - Direct Below is the key information for Franklin India Treasury Management Account - Regular Plan - Direct Returns up to 1 year are on The investment objective of the Scheme is to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities. However, there can be no assurance that the investment objectives of the Scheme will be realized. Research Highlights for Edelweiss Liquid Fund - Direct Below is the key information for Edelweiss Liquid Fund - Direct Returns up to 1 year are on The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of money market securities and high quality debt. Research Highlights for UTI Liquid Cash Plan - Direct Below is the key information for UTI Liquid Cash Plan - Direct Returns up to 1 year are on The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of money market and debt instruments. However, there is no assurance that the investment objective of the Scheme will be realized and the Scheme does not assure or guarantee any returns. Research Highlights for Mahindra Liquid Fund - Direct Below is the key information for Mahindra Liquid Fund - Direct Returns up to 1 year are on To generate optimal returns while maintaining liquidity through active management of the portfolio by investing in debt and money market instruments. However, there can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for Edelweiss Bond Fund - Direct Below is the key information for Edelweiss Bond Fund - Direct Returns up to 1 year are on Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments. Research Highlights for Franklin India Savings Plus Fund Retail Option - Direct Below is the key information for Franklin India Savings Plus Fund Retail Option - Direct Returns up to 1 year are on To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities. Research Highlights for UTI Money Market Fund - Direct Below is the key information for UTI Money Market Fund - Direct Returns up to 1 year are on The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan. Research Highlights for Franklin India Income Builder Account - Plan A - Direct Below is the key information for Franklin India Income Builder Account - Plan A - Direct Returns up to 1 year are on The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations. Research Highlights for UTI Treasury Advantage Fund - Direct Below is the key information for UTI Treasury Advantage Fund - Direct Returns up to 1 year are on 1. Franklin India Banking And PSU Debt Fund - Direct
Franklin India Banking And PSU Debt Fund - Direct
Growth Launch Date 25 Apr 14 NAV (21 Aug 26) ₹25.2032 ↓ -0.02 (-0.06 %) Net Assets (Cr) ₹585 on 31 Jul 26 Category Debt - Banking & PSU Debt AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderate Expense Ratio 0.18 Sharpe Ratio 0.43 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 7.07% Effective Maturity 3 Years 11 Months 16 Days Modified Duration 1 Year 9 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,316 31 Jul 23 ₹11,000 31 Jul 24 ₹11,832 31 Jul 25 ₹12,892 31 Jul 26 ₹13,695
Purchase not allowed Returns for Franklin India Banking And PSU Debt Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Aug 26 Duration Returns 1 Month 0.4% 3 Month 2.2% 6 Month 3.1% 1 Year 6.5% 3 Year 7.6% 5 Year 6.4% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 8.3% 2024 8.1% 2023 7.2% 2022 3.6% 2021 4% 2020 9.5% 2019 11.6% 2018 7.3% 2017 6.8% 2016 10.2% Fund Manager information for Franklin India Banking And PSU Debt Fund - Direct
Name Since Tenure Anuj Tagra 7 Mar 24 2.4 Yr. Chandni Gupta 7 Mar 24 2.4 Yr. Sandeep Manam 18 Oct 21 4.79 Yr. Data below for Franklin India Banking And PSU Debt Fund - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 40.91% Debt 58.73% Other 0.36% Debt Sector Allocation
Sector Value Corporate 72.19% Government 21.54% Cash Equivalent 5.91% Credit Quality
Rating Value AA 3.31% AAA 96.69% Top Securities Holdings / Portfolio
Name Holding Value Quantity Maharashtra SDL
Sovereign Bonds | -5% ₹32 Cr 3,100,000 India Infrastructure Finance Company Limited
Debentures | -5% ₹31 Cr 3,000 Axis Bank Limited
Debentures | -4% ₹26 Cr 250 National Bank For Agriculture And Rural Development
Debentures | -4% ₹26 Cr 2,500 Mahindra And Mahindra Financial Services Limited
Debentures | -4% ₹25 Cr 2,500 Rec Limited
Debentures | -4% ₹24 Cr 2,341 Small Industries Development Bank of India
Debentures | -4% ₹23 Cr 500 Rec Limited
Debentures | -4% ₹21 Cr 3,700 Power Finance Corporation Limited
Debentures | -4% ₹21 Cr 2,000 Bajaj Finance Limited
Debentures | -3% ₹15 Cr 1,500 2. Franklin India Treasury Management Account - Regular Plan - Direct
Franklin India Treasury Management Account - Regular Plan - Direct
Growth Launch Date 1 Jan 13 NAV (21 Aug 26) ₹4,255.35 ↑ 0.61 (0.01 %) Net Assets (Cr) ₹5,601 on 31 Jul 26 Category Debt - Liquid Fund AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Low Expense Ratio 0.12 Sharpe Ratio 2.92 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 6.37% Effective Maturity 2 Months 12 Days Modified Duration 2 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,376 31 Jul 23 ₹11,067 31 Jul 24 ₹11,886 31 Jul 25 ₹12,742 31 Jul 26 ₹13,563
Purchase not allowed Returns for Franklin India Treasury Management Account - Regular Plan - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Aug 26 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.4% 1 Year 6.5% 3 Year 7% 5 Year 6.3% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.7% 2024 7.5% 2023 7% 2022 4.9% 2021 3.3% 2020 4.4% 2019 6.9% 2018 7.5% 2017 6.8% 2016 7.7% Fund Manager information for Franklin India Treasury Management Account - Regular Plan - Direct
Name Since Tenure Pallab Roy 25 Jun 08 18.11 Yr. Rohan Maru 10 Oct 24 1.81 Yr. Data below for Franklin India Treasury Management Account - Regular Plan - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 95.99% Debt 3.88% Other 0.13% Debt Sector Allocation
Sector Value Cash Equivalent 77.49% Government 11.91% Corporate 10.46% Credit Quality
Rating Value AA 1.43% AAA 98.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity Call, Cash & Other Assets
CBLO | -9% ₹573 Cr India (Republic of)
- | -8% ₹494 Cr 50,000,000
↑ 50,000,000 HDFC Securities Limited
Commercial Paper | -5% ₹287 Cr 5,800 Union Bank of India
Debentures | -4% ₹248 Cr 5,000 Small Industries Development Bank Of India
Debentures | -4% ₹234 Cr 22,000 National Bank For Agriculture And Rural Development
Commercial Paper | -4% ₹224 Cr 4,500
↑ 3,500 Bank of Baroda
Debentures | -4% ₹214 Cr 4,300 India (Republic of)
- | -3% ₹200 Cr 20,000,000
↑ 20,000,000 Small Industries Development Bank Of India
Commercial Paper | -3% ₹198 Cr 4,000 Rec Limited
Debentures | -3% ₹187 Cr 17,500
↑ 7,500 3. Edelweiss Liquid Fund - Direct
Edelweiss Liquid Fund - Direct
Growth Launch Date 1 Jan 13 NAV (21 Aug 26) ₹3,658.67 ↑ 0.46 (0.01 %) Net Assets (Cr) ₹13,796 on 31 Jul 26 Category Debt - Liquid Fund AMC Edelweiss Asset Management Limited Rating Risk Low Expense Ratio 0.09 Sharpe Ratio 2.81 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.33% Effective Maturity 2 Months 2 Days Modified Duration 2 Months 2 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,375 31 Jul 23 ₹11,074 31 Jul 24 ₹11,902 31 Jul 25 ₹12,756 31 Jul 26 ₹13,579 Returns for Edelweiss Liquid Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Aug 26 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.4% 1 Year 6.5% 3 Year 7% 5 Year 6.3% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.6% 2024 7.5% 2023 7.1% 2022 4.9% 2021 3.5% 2020 4.4% 2019 6.8% 2018 7.5% 2017 6.7% 2016 6.9% Fund Manager information for Edelweiss Liquid Fund - Direct
Name Since Tenure Rahul Dedhia 11 Dec 17 8.64 Yr. Hetul Raval 22 Sep 25 0.86 Yr. Data below for Edelweiss Liquid Fund - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 99.78% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 81.91% Government 11.51% Corporate 6.37% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd.
Debentures | -7% ₹940 Cr 95,000,000 Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -5% ₹771 Cr India (Republic of)
- | -3% ₹498 Cr 50,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹450 Cr 45,000,000
↑ 27,500,000 Reliance Retail Ventures Limited
Commercial Paper | -3% ₹396 Cr 40,000,000 Bank of Baroda
Debentures | -2% ₹348 Cr 35,000,000 Axis Bank Ltd.
Debentures | -2% ₹348 Cr 35,000,000 India (Republic of)
- | -2% ₹347 Cr 35,000,000 Indian Bank
Domestic Bonds | -2% ₹298 Cr 30,000,000 ICICI Bank Ltd.
Debentures | -2% ₹298 Cr 30,000,000 4. UTI Liquid Cash Plan - Direct
UTI Liquid Cash Plan - Direct
Growth Launch Date 1 Jan 13 NAV (21 Aug 26) ₹463.987 ↑ 0.06 (0.01 %) Net Assets (Cr) ₹26,728 on 31 Jul 26 Category Debt - Liquid Fund AMC UTI Asset Management Company Ltd Rating Risk Low Expense Ratio 0.17 Sharpe Ratio 2.9 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 1,500 Exit Load NIL Yield to Maturity 6.31% Effective Maturity 1 Month 27 Days Modified Duration 1 Month 27 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,379 31 Jul 23 ₹11,077 31 Jul 24 ₹11,897 31 Jul 25 ₹12,746 31 Jul 26 ₹13,566 Returns for UTI Liquid Cash Plan - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Aug 26 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.4% 1 Year 6.5% 3 Year 7% 5 Year 6.3% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.6% 2024 7.4% 2023 7.1% 2022 4.9% 2021 3.4% 2020 4.3% 2019 6.7% 2018 7.5% 2017 6.7% 2016 7.7% Fund Manager information for UTI Liquid Cash Plan - Direct
Name Since Tenure Amit Sharma 7 Jul 17 9.07 Yr. Data below for UTI Liquid Cash Plan - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 98.47% Debt 1.27% Other 0.26% Debt Sector Allocation
Sector Value Cash Equivalent 77.29% Government 15.16% Corporate 7.29% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -7% ₹2,055 Cr 20,650,000,000 Reliance Retail Ventures Limited
Commercial Paper | -3% ₹840 Cr 8,500,000,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹792 Cr 8,000,000,000 ICICI Bank Ltd.
Debentures | -2% ₹742 Cr 7,500,000,000 India (Republic of)
- | -2% ₹699 Cr 7,000,000,000 Bank of India Ltd.
Debentures | -2% ₹692 Cr 7,000,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹680 Cr 68,000
↑ 53,000 Tbill
Sovereign Bonds | -2% ₹677 Cr 6,800,000,000 HDFC Bank Ltd.
Debentures | -2% ₹646 Cr 6,500,000,000 Central Bank of India
Domestic Bonds | -2% ₹595 Cr 6,000,000,000 5. Mahindra Liquid Fund - Direct
Mahindra Liquid Fund - Direct
Growth Launch Date 4 Jul 16 NAV (22 Aug 26) ₹1,843.65 ↑ 0.31 (0.02 %) Net Assets (Cr) ₹1,280 on 31 Jul 26 Category Debt - Liquid Fund AMC Mahindra Asset Management Company Pvt. Ltd. Rating Risk Low Expense Ratio 0.15 Sharpe Ratio 2.84 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 6.47% Effective Maturity 1 Month 20 Days Modified Duration 1 Month 16 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,383 31 Jul 23 ₹11,085 31 Jul 24 ₹11,910 31 Jul 25 ₹12,762 31 Jul 26 ₹13,580
Purchase not allowed Returns for Mahindra Liquid Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Aug 26 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.3% 1 Year 6.5% 3 Year 7% 5 Year 6.4% 10 Year 15 Year Since launch 6.2% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.6% 2024 7.5% 2023 7.2% 2022 5% 2021 3.4% 2020 4.4% 2019 6.9% 2018 7.5% 2017 6.8% 2016 Fund Manager information for Mahindra Liquid Fund - Direct
Name Since Tenure Rahul Pal 4 Jul 16 10.08 Yr. Amit Garg 8 Jun 20 6.15 Yr. Data below for Mahindra Liquid Fund - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 99.67% Other 0.33% Debt Sector Allocation
Sector Value Cash Equivalent 70.47% Corporate 16.99% Government 12.21% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -10% ₹100 Cr 10,000,000 Net Receivables / (Payables)
CBLO | -8% -₹81 Cr LIC Housing Finance Ltd
Debentures | -6% ₹65 Cr 6,500,000
↑ 6,500,000 Tata Realty And Infrastructure Limited
Commercial Paper | -5% ₹50 Cr 5,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -5% ₹50 Cr 5,000,000 HDFC Bank Limited
Certificate of Deposit | -5% ₹50 Cr 5,000,000 Bank Of Baroda
Certificate of Deposit | -5% ₹49 Cr 5,000,000
↑ 5,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -5% ₹49 Cr 5,000,000 Canara Bank
Certificate of Deposit | -5% ₹49 Cr 5,000,000
↑ 5,000,000 Bank of Baroda
Debentures | -5% ₹49 Cr 5,000,000
↑ 5,000,000 6. Edelweiss Bond Fund - Direct
Edelweiss Bond Fund - Direct
Growth Launch Date 1 Jan 13 NAV (21 Aug 26) ₹33.7277 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹2,326 on 31 Jul 26 Category Debt - Dynamic Bond AMC Edelweiss Asset Management Limited Rating Risk Moderate Expense Ratio 0.12 Sharpe Ratio 0.88 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.81% Effective Maturity 6 Months 18 Days Modified Duration 6 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,347 31 Jul 23 ₹11,028 31 Jul 24 ₹11,851 31 Jul 25 ₹12,810 31 Jul 26 ₹13,624 Returns for Edelweiss Bond Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Aug 26 Duration Returns 1 Month 0.6% 3 Month 2.1% 6 Month 3.3% 1 Year 6.4% 3 Year 7.3% 5 Year 6.4% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.6% 2024 7.7% 2023 7.2% 2022 4.3% 2021 3.7% 2020 7.2% 2019 13.4% 2018 6.6% 2017 3.6% 2016 10.5% Fund Manager information for Edelweiss Bond Fund - Direct
Name Since Tenure Rahul Dedhia 22 Sep 25 0.86 Yr. Hetul Raval 1 Jul 24 2.08 Yr. Data below for Edelweiss Bond Fund - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 85.91% Debt 13.79% Other 0.3% Debt Sector Allocation
Sector Value Corporate 63.65% Cash Equivalent 22.34% Government 13.71% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -5% ₹123 Cr 12,500,000 23/07/2026 Maturing 364 DTB
Sovereign Bonds | -2% ₹50 Cr 5,000,000 Indian Bank
Domestic Bonds | -2% ₹49 Cr 5,000,000 Bank of Baroda
Debentures | -2% ₹49 Cr 5,000,000 Axis Bank Ltd.
Debentures | -2% ₹48 Cr 5,000,000 Canara Bank
Domestic Bonds | -2% ₹48 Cr 5,000,000 7.29% Kerala SDL 2026
Sovereign Bonds | -0% ₹10 Cr 1,000,000 Sbi Cdmdf--A2
- | -0% ₹7 Cr 5,927 National Bank For Agriculture And Rural Development
Certificate of Deposit | -6% ₹144 Cr 15,000,000 HDFC Bank Limited
Certificate of Deposit | -6% ₹143 Cr 15,000,000 7. Franklin India Savings Plus Fund Retail Option - Direct
Franklin India Savings Plus Fund Retail Option - Direct
Growth Launch Date 1 Jan 13 NAV (21 Aug 26) ₹55.7884 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹4,205 on 31 Jul 26 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderately Low Expense Ratio 0.14 Sharpe Ratio 0.89 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.94% Effective Maturity 7 Months 10 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,364 31 Jul 23 ₹11,089 31 Jul 24 ₹11,932 31 Jul 25 ₹12,913 31 Jul 26 ₹13,732 Returns for Franklin India Savings Plus Fund Retail Option - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Aug 26 Duration Returns 1 Month 0.6% 3 Month 2.1% 6 Month 3.3% 1 Year 6.4% 3 Year 7.4% 5 Year 6.6% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.6% 2024 7.8% 2023 7.4% 2022 4.6% 2021 3.7% 2020 6.2% 2019 8.6% 2018 7.7% 2017 7.3% 2016 8.5% Fund Manager information for Franklin India Savings Plus Fund Retail Option - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 2.82 Yr. Rohan Maru 10 Oct 24 1.81 Yr. Chandni Gupta 30 Apr 24 2.25 Yr. Data below for Franklin India Savings Plus Fund Retail Option - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 87.11% Debt 12.62% Other 0.28% Debt Sector Allocation
Sector Value Cash Equivalent 39.13% Corporate 36.25% Government 24.34% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.67% Uttarpradesh Sdl 2027
Sovereign Bonds | -10% ₹387 Cr 37,500,000
↓ -2,500,000 Axis Bank Ltd.
Debentures | -2% ₹97 Cr 2,000 17/07/2026 Maturing 182 DTB
Sovereign Bonds | -1% ₹35 Cr 3,500,000
↑ 3,500,000 Tbill
Sovereign Bonds | -1% ₹25 Cr 2,500,000
↑ 2,500,000 Corporate Debt Market Development Fund Class A2
- | -0% ₹11 Cr 9,359
↑ 367 7.78% Telangana Sdl 2027
Sovereign Bonds | -0% ₹10 Cr 1,000,000 7.88% Punjab SDL 2027
Sovereign Bonds | -0% ₹5 Cr 500,000
↑ 500,000 7.14% Punjab SDL 2027
Sovereign Bonds | -0% ₹5 Cr 500,000 6.88% Westbengal Sdl 2026
Sovereign Bonds | -0% ₹5 Cr 500,000 Bajaj Housing Finance Limited
Commercial Paper | -7% ₹287 Cr 6,000 8. UTI Money Market Fund - Direct
UTI Money Market Fund - Direct
Growth Launch Date 1 Jan 13 NAV (21 Aug 26) ₹3,358.57 ↓ -0.08 (0.00 %) Net Assets (Cr) ₹18,782 on 31 Jul 26 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating Risk Low Expense Ratio 0.17 Sharpe Ratio 0.84 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.87% Effective Maturity 6 Months 19 Days Modified Duration 6 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,394 31 Jul 23 ₹11,139 31 Jul 24 ₹11,991 31 Jul 25 ₹12,971 31 Jul 26 ₹13,793
Purchase not allowed Returns for UTI Money Market Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Aug 26 Duration Returns 1 Month 0.6% 3 Month 2.1% 6 Month 3.3% 1 Year 6.4% 3 Year 7.4% 5 Year 6.7% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.6% 2024 7.8% 2023 7.5% 2022 5% 2021 3.8% 2020 6.1% 2019 8.1% 2018 7.9% 2017 6.8% 2016 7.8% Fund Manager information for UTI Money Market Fund - Direct
Name Since Tenure Anurag Mittal 1 Dec 21 4.67 Yr. Amit Sharma 7 Jul 17 9.07 Yr. Data below for UTI Money Market Fund - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 89.45% Debt 10.24% Other 0.32% Debt Sector Allocation
Sector Value Corporate 48.45% Cash Equivalent 33.24% Government 18% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹657 Cr 6,629,850,000 Indusind Bank Ltd.
Debentures | -2% ₹340 Cr 3,500,000,000 Tbill
Sovereign Bonds | -2% ₹298 Cr 3,000,000,000 Tbill
Sovereign Bonds | -2% ₹298 Cr 3,000,000,000 5.74% Govt Stock 2026
Sovereign Bonds | -2% ₹280 Cr 2,800,000,000 UCO Bank
Domestic Bonds | -1% ₹234 Cr 2,500,000,000
↑ 2,500,000,000 Tbill
Sovereign Bonds | -1% ₹199 Cr 2,000,000,000 Axis Bank Ltd.
Debentures | -1% ₹192 Cr 2,000,000,000 Indian Overseas Bank
Debentures | -1% ₹192 Cr 2,000,000,000 Axis Bank Ltd.
Debentures | -1% ₹192 Cr 2,000,000,000 9. Franklin India Income Builder Account - Plan A - Direct
Franklin India Income Builder Account - Plan A - Direct
Growth Launch Date 1 Jan 13 NAV (21 Aug 26) ₹115.907 ↓ -0.09 (-0.07 %) Net Assets (Cr) ₹1,345 on 31 Jul 26 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderate Expense Ratio 0.24 Sharpe Ratio 0.32 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 7.42% Effective Maturity 4 Years 29 Days Modified Duration 1 Year 11 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,318 31 Jul 23 ₹10,997 31 Jul 24 ₹11,825 31 Jul 25 ₹13,094 31 Jul 26 ₹13,891 Returns for Franklin India Income Builder Account - Plan A - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Aug 26 Duration Returns 1 Month 0.4% 3 Month 2.3% 6 Month 3% 1 Year 6.3% 3 Year 8.1% 5 Year 6.8% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 9.7% 2024 8.2% 2023 7.1% 2022 3.7% 2021 4.3% 2020 9.7% 2019 9.8% 2018 8.1% 2017 8.3% 2016 9.7% Fund Manager information for Franklin India Income Builder Account - Plan A - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 2.82 Yr. Anuj Tagra 7 Mar 24 2.4 Yr. Chandni Gupta 7 Mar 24 2.4 Yr. Data below for Franklin India Income Builder Account - Plan A - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 9.26% Debt 90.46% Other 0.28% Debt Sector Allocation
Sector Value Corporate 71.68% Government 20.62% Cash Equivalent 7.42% Credit Quality
Rating Value AA 6.86% AAA 93.14% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jamnagar Utilities & Power Private Limited
Debentures | -6% ₹81 Cr 7,500 Small Industries Development Bank Of India
Debentures | -6% ₹80 Cr 7,500 National Bank For Agriculture And Rural Development
Debentures | -6% ₹77 Cr 7,500 Poonawalla Fincorp Limited
Debentures | -5% ₹61 Cr 5,950
↓ -2,050 Maharashtra SDL
Sovereign Bonds | -4% ₹57 Cr 5,500,000 RJ Corp Limited
Debentures | -4% ₹56 Cr 5,467 LIC Housing Finance Ltd
Debentures | -4% ₹55 Cr 5,500 Summit Digitel Infrastructure Limited
Debentures | -4% ₹51 Cr 5,000 Mahindra And Mahindra Financial Services Limited
Debentures | -4% ₹51 Cr 5,000 Embassy Office Parks Reit
Debentures | -4% ₹50 Cr 5,000 10. UTI Treasury Advantage Fund - Direct
UTI Treasury Advantage Fund - Direct
Growth Launch Date 1 Jan 13 NAV (21 Aug 26) ₹3,869.09 ↓ -0.84 (-0.02 %) Net Assets (Cr) ₹2,386 on 31 Jul 26 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating Risk Moderately Low Expense Ratio 0.37 Sharpe Ratio 0.61 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.2% Effective Maturity 10 Months 13 Days Modified Duration 9 Months Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,891 31 Jul 23 ₹11,634 31 Jul 24 ₹12,489 31 Jul 25 ₹13,526 31 Jul 26 ₹14,365 Returns for UTI Treasury Advantage Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Aug 26 Duration Returns 1 Month 0.5% 3 Month 2.1% 6 Month 3.1% 1 Year 6.2% 3 Year 7.3% 5 Year 7.5% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.7% 2024 7.8% 2023 7.2% 2022 4.6% 2021 9.1% 2020 7.4% 2019 -4.1% 2018 7.5% 2017 7.2% 2016 9.1% Fund Manager information for UTI Treasury Advantage Fund - Direct
Name Since Tenure Anurag Mittal 1 Dec 21 4.67 Yr. Data below for UTI Treasury Advantage Fund - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 25.05% Debt 74.51% Other 0.44% Debt Sector Allocation
Sector Value Corporate 65.3% Government 17.92% Cash Equivalent 16.34% Credit Quality
Rating Value AA 10.39% AAA 89.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tbill
Sovereign Bonds | -9% ₹196 Cr 2,000,000,000 Rec Limited
Debentures | -6% ₹140 Cr 14,000 National Bank For Agriculture And Rural Development
Debentures | -6% ₹125 Cr 12,500
↓ -7,500 Embassy Office Parks Reit
Debentures | -5% ₹120 Cr 1,200 Mahindra Rural Housing Finance Limited
Debentures | -5% ₹100 Cr 10,000 Embassy Office Parks Reit
Debentures | -4% ₹90 Cr 900 RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -2% ₹53 Cr 55 Can Fin Homes Limited
Debentures | -2% ₹50 Cr 5,000 360 One Prime Limited
Debentures | -2% ₹50 Cr 500,000 Aditya Birla Renewables Limited
Debentures | -2% ₹50 Cr 5,000
یہاں فراہم کردہ معلومات کو درست بنانے کے لئے تمام کوششیں کی گئیں ہیں۔ تاہم ، اعداد و شمار کی درستگی کے بارے میں کوئی ضمانت نہیں دی گئی ہے۔ براہ کرم کوئی سرمایہ کاری کرنے سے پہلے اسکیم سے متعلق معلومات کے دستاویز کی تصدیق کریں۔
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Research Highlights for Franklin India Banking And PSU Debt Fund - Direct