ایف ڈی بمقابلہ ڈیبٹ میوچل فنڈ

Updated on September 6, 2026 , 8731 views

ایف ڈی بمقابلہقرض فنڈ? سوچناکہاں سرمایہ کاری کرنا ہے اچھا منافع کمانے کے لیے آپ کی بچت۔ عام طور پر لوگ غور کرتے ہیں۔سرمایہ کاری فکسڈ ڈپازٹ یا FD میں سب سے آسان آپشن ہے کیونکہ یہ محفوظ ہے اور فکسڈ ریٹرن پیش کرتا ہے۔ لیکن کیا یہ بہترین طریقہ ہے؟ اگرچہ فکسڈ ڈپازٹ سب کے لیے سرمایہ کاری کا ایک آسان آپشن ہے، تاہم، قابل ٹیکس ہونے والے فکسڈ ڈپازٹ کے منافع ڈیبٹ فنڈ کے مقابلے بہت کم ہیں۔ مزید برآں، جب طویل مدت کے لیے منعقد کیا جاتا ہے، قرضباہمی چندہ اچھا منافع پیش کرتے ہیں. ڈیٹ میوچل فنڈز یا فکسڈ ڈپازٹ میں سرمایہ کاری کرنے کا حتمی فیصلہ کرنے سے پہلے، ان سرمایہ کاری کے تفصیلی موازنہ کو دیکھیں۔

خلاصہ:

ڈیبٹ میوچل فنڈز (ڈیبٹ فنڈ) بمقابلہ فکسڈ ڈپازٹس (ایف ڈی)

ہمیں خطرہ مول لینے کی صلاحیت اور اس کے انعقاد کی مطلوبہ مدت کے ذریعے اسے توڑنا ہوگا۔سرمایہ کار سوال میں.

مختصر انعقاد کی مدت (1 سال یا اس سے کم)

یہاں قرض فنڈ کے اختیارات محدود ہوں گے۔مائع فنڈزالٹرامختصر مدت کے فنڈز اور مختصر مدتآمدنی فنڈز اگرچہ ریٹرن یا پیداوار عام طور پر مائع سے الٹرا شارٹ سے شارٹ ٹرم فنڈ تک زیادہ ہوتی ہے، لیکن ان ڈیٹ فنڈز اور فکسڈ ڈپازٹ کے درمیان پیداوار کے فرق کا تعین ان کے پچھلے ایک سال کے ریٹرن کو دیکھتے ہوئے کیا جا سکتا ہے۔

ڈیبٹ میوچل فنڈ (زمرہ اوسط واپسی)

قرض میوچل فنڈ کی قسم	گزشتہ 1 سال واپسی (%)
مائع فنڈ	7.36
الٹرا شارٹ ٹرم ڈیبٹ فنڈز	9.18
قلیل مدتی قرض فنڈز	9.78
ڈائنامک ڈیبٹ فنڈز	13.89
طویل مدتی قرض فنڈز	13.19
گلٹ قلیل مدتی فنڈز	11.76
گلٹ طویل مدتی فنڈز	15.06
20 فروری 2017 تک کا ڈیٹا

فکسڈ ڈپازٹ یا ایف ڈی کی اوسط واپسی کی شرح

فکسڈ ڈپازٹس کی اوسط واپسی کی شرح 8-8.5% p.a کے درمیان ہے۔ سال 2016 میں (تاکہ کوئی بھی ٹیبل میں مذکورہ بالا منافع کا موازنہ کر سکے)۔ تاہم، پچھلے ایک سال میں، واپسی کی شرح 6.6-7.5% p.a تک گر گئی ہے۔

مندرجہ بالا مثال کے ساتھ، یہ واضح ہے کہ ڈیبٹ فنڈز کی واپسی کی اوسط شرح فکسڈ ڈپازٹس سے بہتر ہے۔

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طویل مدتی انعقاد کی مدت

طویل مدتی انعقاد کے ساتھ، قرض فنڈز FDs سے بہتر ثابت ہو سکتے ہیں۔

یہاں سرمایہ کاری کے اختیارات یہ ہوں گے:

طویل مدتی آمدنی کے فنڈز
طویل مدتی گلٹ،
کارپوریٹبانڈ فنڈز (زیادہ پیداوار کے فنڈز)، اوپر بیان کردہ مائع کے اختیارات کے علاوہ، الٹرا شارٹ اور شارٹ ٹرم فنڈز بھی استعمال کیے جا سکتے ہیں۔

یہ دیکھتے ہوئے کہ انعقاد کی مدت 3 سال یا اس سے زیادہ ہوسکتی ہے، ہم درج ذیل کہہ سکتے ہیں:

کے ساتھسرمایہ اشاریہ سازی کے فوائد کے ساتھ 20% پر ٹیکس حاصل کرتا ہے، خالص ٹیکس کے واقعات کم سے کم ہوں گے (تاہم کسی کو ٹیکس کے واقعات کا حساب لگانا چاہیے ٹیکس کے سال کے حساب سے)
طویل مدتی آمدنی کے فنڈز/گلٹ فنڈز اعلی پیداوار کے ساتھ اور اس کے علاوہ، اگر سود کی شرحیں نیچے جائیں تو بہت زیادہ منافع ملے گا۔
کوئی بھی ان قرض فنڈز کے ساتھ اعلی دوہرے ہندسے کی واپسی کے ساتھ ختم ہوسکتا ہے۔

لانگ ٹرم انکم فنڈز پر ریٹرن کی ذیل کی مثال لیں، زمرہ کے لیے اوسط آخری 1 سال کا منافع 12.19% ہے اور پچھلے 3 سالوں میں 10.32% p.a. اس مدت میں کوئی بھی ایف ڈی اس جیسی واپسی نہیں دے سکتا تھا۔ گلٹ فنڈ کے منافع اور بھی زیادہ ہیں۔ اسی مدت میں، پچھلے سال FD کی شرح زیادہ تر بینکوں میں 8-8.5% سالانہ کے قریب ہوتی، (اگرچہ آج شرحیں مزید گر کر 6.5 - 7.5% ہو گئی ہیں)

لہذا ایک سرمایہ کار کے ساتھ طویل مدتی ہولڈنگ اور سود کی شرحیں گرنے کے ساتھ، ایک قرض فنڈ (طویل مدتی آمدنی یا گلٹ) FD کے مقابلے میں زیادہ بہتر منافع دے گا۔ یہاں تک کہ شرح سود میں کمی نہ ہونے کی صورت میں بھی، زیادہ پیداوار والے کارپوریٹ بانڈ فنڈز اسی مدت میں ایف ڈی کو مات دے گا۔

قرض میوچل فنڈز اور فکسڈ ڈپازٹس پر ٹیکس

ٹیکسیشن ڈیٹ فنڈز اور فکسڈ ڈپازٹس کے ریٹرن کا تعین کرنے میں بھی اہم کردار ادا کرتا ہے۔ عام طور پر، فکسڈ ڈپازٹس پر ٹیکس 33% (ٹیکس کی معمولی شرح) ہے جب کہ ڈیبٹ فنڈز پر اگر کوئی 3 سال سے کم نظریہ کے ساتھ سرمایہ کاری کرتا ہے تو ڈی ڈی ٹی (ڈیویڈنڈ ڈسٹری بیوشن ٹیکس) کاٹنا بہتر آپشن ہوگا۔ تقریباً 25% پر (+سرچارج وغیرہ)۔ اس سے ظاہر ہوتا ہے کہ ڈیٹ میوچل فنڈز پر ٹیکس فکسڈ ڈپازٹ کے مقابلے نسبتاً کم ہے۔

قرض فنڈز کے ساتھ آنے والے اضافی فوائد یہ ہیں:

لیکویڈیٹی: رقم 1-2 دنوں کے اندر دستیاب ہو گی۔رہائی
پیشہ ورانہ انتظام: حکمت عملی کو متحرک طور پر تبدیل کرنے اور بازاروں سے فائدہ اٹھانے کی صلاحیت
قبل از وقت واپسی کا کوئی جرمانہ نہیں۔

خلاصہ:

پیرامیٹرز	باہمی چندہ	فکسڈ ڈپازٹس
واپسی کی شرح	کوئی یقینی واپسی نہیں۔	فکسڈ ریٹرن
مہنگائی ایڈجسٹ ریٹرن	اعلی افراط زر کی ایڈجسٹ شدہ واپسیوں کا امکان	عام طور پر کم افراط زر کی ایڈجسٹ شدہ واپسی
خطرہ	کم سے زیادہ خطرہ (فنڈ پر منحصر ہے۔	کم خطرہ
لیکویڈیٹی	مائع	مائع
قبل از وقت واپسی	ایگزٹ لوڈ/نو لوڈ کے ساتھ اجازت ہے۔	جرمانے کے ساتھ اجازت ہے۔
سرمایہ کاری کی لاگت	انتظامی لاگت/خرچ کا تناسب	کوی قیمت نہیں

سرفہرست 8 بہترین کارکردگی والے قرض فنڈز 2022

مندرجہ بالا خالص اثاثوں/اے یو ایم والے قرض فنڈز کی فہرست ذیل میں ہے۔1000 کروڑ اور 3 سال کے مرکب پر ترتیب دیا گیا (سی اے جی آر) واپسی

1. Aditya Birla Sun Life Credit Risk Fund

(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.

Research Highlights for Aditya Birla Sun Life Credit Risk Fund

Bottom quartile AUM (₹1,532 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 12.20% (top quartile).
1M return: 0.38% (upper mid).
Sharpe: 1.77 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.98% (bottom quartile).
Modified duration: 2.08 yrs (top quartile).
Average maturity: 2.76 yrs (top quartile).
Exit load: 0-365 Days (1%),365 Days and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~88%).
High-quality debt (AAA/AA ~90%).
Largest holding 6.94% Govt Stock 2036 (~6.1%).

Below is the key information for Aditya Birla Sun Life Credit Risk Fund

Aditya Birla Sun Life Credit Risk Fund Growth
Launch Date	17 Apr 15
NAV (08 Sep 26)	₹25.4519 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹1,532 on 31 Jul 26
Category	Debt - Credit Risk
AMC	Birla Sun Life Asset Management Co Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.54
Sharpe Ratio	1.77
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	7.98%
Effective Maturity	2 Years 9 Months 4 Days
Modified Duration	2 Years 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,664
31 Aug 23	₹11,379
31 Aug 24	₹12,336
31 Aug 25	₹14,323
31 Aug 26	₹16,064

Aditya Birla Sun Life Credit Risk Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201 Invest Now

Returns for Aditya Birla Sun Life Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Sep 26

Duration	Returns
1 Month	0.4%
3 Month	2.6%
6 Month	4.5%
1 Year	12.2%
3 Year	12.2%
5 Year	10%
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	11.3 Yr.
Mohit Sharma	6 Aug 20	5.99 Yr.

Data below for Aditya Birla Sun Life Credit Risk Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	3.35%
Equity	7.85%
Debt	88.42%
Other	0.38%

Debt Sector Allocation

Sector	Value
Corporate	70.81%
Government	17.61%
Cash Equivalent	3.35%

Credit Quality

Rating	Value
A	9.8%
AA	49.73%
AAA	40.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	6%	₹96 Cr	9,500,000 ↓ -1,000,000
Eris Lifesciences Limited Debentures \| -	5%	₹74 Cr	7,400 ↑ 6,050
Jubilant Bevco Limited Debentures \| -	5%	₹73 Cr	6,500
Jtpm Metal TRaders Limited Debentures \| -	4%	₹58 Cr	5,377
GMR Airports Limited Debentures \| -	3%	₹55 Cr	5,200
Rec Limited Debentures \| -	3%	₹50 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹50 Cr	5,000 ↓ -2,500
Small Industries Development Bank Of India Debentures \| -	3%	₹49 Cr	5,000
Adani Airport Holdings Limited Debentures \| -	3%	₹48 Cr	4,800 ↑ 4,800
Tata Capital Housing Finance Limited Debentures \| -	3%	₹45 Cr	4,467

2. Aditya Birla Sun Life Medium Term Plan

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

Upper mid AUM (₹3,280 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.72% (top quartile).
1M return: 0.15% (bottom quartile).
Sharpe: 1.10 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 8.05% (lower mid).
Modified duration: 3.14 yrs (lower mid).
Average maturity: 4.65 yrs (lower mid).
Exit load: 0-365 Days (1%),365 Days and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~91%).
High-quality debt (AAA/AA ~90%).
Largest holding 6.94% Govt Stock 2036 (~12.0%).

Below is the key information for Aditya Birla Sun Life Medium Term Plan

Aditya Birla Sun Life Medium Term Plan Growth
Launch Date	25 Mar 09
NAV (09 Sep 26)	₹43.8542 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹3,280 on 31 Jul 26
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	1.1
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	8.05%
Effective Maturity	4 Years 7 Months 24 Days
Modified Duration	3 Years 1 Month 20 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹12,410
31 Aug 23	₹13,277
31 Aug 24	₹14,340
31 Aug 25	₹16,161
31 Aug 26	₹17,576

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹215,396.
Net Profit of ₹35,396 Invest Now

Returns for Aditya Birla Sun Life Medium Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Sep 26

Duration	Returns
1 Month	0.2%
3 Month	2.2%
6 Month	3.5%
1 Year	8.7%
3 Year	9.9%
5 Year	11.9%
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	11.92 Yr.
Mohit Sharma	6 Aug 20	5.99 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	4.28%
Equity	4.17%
Debt	91.31%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	60.43%
Government	30.89%
Cash Equivalent	4.28%

Credit Quality

Rating	Value
A	9.81%
AA	42.09%
AAA	48.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	12%	₹400 Cr	39,500,000
Bajaj Housing Finance Limited Debentures \| -	5%	₹153 Cr	15,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹125 Cr	12,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹113 Cr	11,500
Hinduja Leyland Finance Limited Debentures \| -	3%	₹110 Cr	11,000
Oxyzo Financial Services Limited Debentures \| -	3%	₹89 Cr	9,000
GMR Airports Limited Debentures \| -	3%	₹84 Cr	8,000
Jtpm Metal TRaders Limited Debentures \| -	2%	₹83 Cr	7,673
Jubilant Bevco Limited Debentures \| -	2%	₹83 Cr	7,400
Kogta Financial (India) Limited Debentures \| -	2%	₹72 Cr	7,250

3. ICICI Prudential Regular Savings Fund

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

Highest AUM (₹6,320 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.16% (upper mid).
1M return: 0.37% (upper mid).
Sharpe: 1.30 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.35% (upper mid).
Modified duration: 2.11 yrs (upper mid).
Average maturity: 3.19 yrs (upper mid).
Exit load: 0-1 Years (1%),1 Years and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~82%).
High-quality debt (AAA/AA ~90%).
Largest holding Jtpm Metal TRaders Limited (~3.9%).

Below is the key information for ICICI Prudential Regular Savings Fund

ICICI Prudential Regular Savings Fund Growth
Launch Date	3 Dec 10
NAV (09 Sep 26)	₹34.8962 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹6,320 on 31 Jul 26
Category	Debt - Credit Risk
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆
Risk	Moderate
Expense Ratio	1.43
Sharpe Ratio	1.3
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	8.35%
Effective Maturity	3 Years 2 Months 8 Days
Modified Duration	2 Years 1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,481
31 Aug 23	₹11,164
31 Aug 24	₹12,125
31 Aug 25	₹13,164
31 Aug 26	₹14,238

ICICI Prudential Regular Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for ICICI Prudential Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Sep 26

Duration	Returns
1 Month	0.4%
3 Month	2.7%
6 Month	4.1%
1 Year	8.2%
3 Year	8.5%
5 Year	7.3%
10 Year
15 Year
Since launch	8.3%

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	9.74 Yr.
Akhil Kakkar	22 Jan 24	2.53 Yr.

Data below for ICICI Prudential Regular Savings Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	7.67%
Equity	9.83%
Debt	82.13%
Other	0.37%

Debt Sector Allocation

Sector	Value
Corporate	65.88%
Government	16.63%
Cash Equivalent	7.28%

Credit Quality

Rating	Value
A	9.5%
AA	68.41%
AAA	22.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Jtpm Metal TRaders Limited Debentures \| -	4%	₹249 Cr	23,000
Embassy Office Parks REIT (Real Estate) -, Since 30 Apr 25 \| 542602	3%	₹217 Cr	4,793,752
Vedanta Aluminium Metal Limited Debentures \| -	3%	₹201 Cr	20,000
Adani Enterprises Limited Debentures \| -	3%	₹201 Cr	20,000
TRuhome Finance Limited Debentures \| -	3%	₹198 Cr	20,000
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	3%	₹186 Cr	18,500
Adani Power Limited Debentures \| -	3%	₹175 Cr	17,500
Keystone Realtors Limited Debentures \| -	3%	₹171 Cr	23,500
Nirma Limited Debentures \| -	2%	₹151 Cr	15,000
Aavas Financiers Limited Debentures \| -	2%	₹150 Cr	15,000

4. Nippon India Credit Risk Fund

(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

Bottom quartile AUM (₹1,556 Cr).
Established history (21+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 7.41% (lower mid).
1M return: 0.45% (top quartile).
Sharpe: 0.92 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.54% (top quartile).
Modified duration: 1.93 yrs (top quartile).
Average maturity: 2.29 yrs (top quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top bond sector: Corporate.
Debt-heavy allocation (~93%).
High-quality debt (AAA/AA ~81%).
Largest holding 7.02% Govt Stock 2031 (~4.9%).

Below is the key information for Nippon India Credit Risk Fund

Nippon India Credit Risk Fund Growth
Launch Date	8 Jun 05
NAV (09 Sep 26)	₹38.1663 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹1,556 on 31 Jul 26
Category	Debt - Credit Risk
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderate
Expense Ratio	1.46
Sharpe Ratio	0.92
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	8.54%
Effective Maturity	2 Years 3 Months 14 Days
Modified Duration	1 Year 11 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,395
31 Aug 23	₹11,165
31 Aug 24	₹12,035
31 Aug 25	₹13,156
31 Aug 26	₹14,098

Nippon India Credit Risk Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for Nippon India Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Sep 26

Duration	Returns
1 Month	0.4%
3 Month	2.1%
6 Month	3.6%
1 Year	7.4%
3 Year	8.2%
5 Year	7.1%
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	8.19 Yr.
Sushil Budhia	1 Feb 20	6.5 Yr.
Amber Singhania	11 Mar 26	0.39 Yr.

Data below for Nippon India Credit Risk Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	6.49%
Debt	93.24%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	71.87%
Government	23.47%
Cash Equivalent	4.39%

Credit Quality

Rating	Value
A	18.79%
AA	43.68%
AAA	37.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.02% Govt Stock 2031 Sovereign Bonds \| -	5%	₹77 Cr	7,500,000
Triumph Composites Private Limited Debentures \| -	5%	₹75 Cr	7,500 ↑ 1,500
Aditya Birla Real Estate Limited Debentures \| -	4%	₹55 Cr	5,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹55 Cr	5,500 ↑ 2,500
Adani Airport Holdings Limited Debentures \| -	3%	₹55 Cr	5,500 ↑ 3,000
Delhi International Airport Limited Debentures \| -	3%	₹51 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹49 Cr	5,000
HDFC Bank Ltd. Debentures \| -	3%	₹48 Cr	1,000
Muthoot Fincorp Limited Debentures \| -	3%	₹45 Cr	45,000
TRuhome Finance Limited Debentures \| -	3%	₹40 Cr	4,000

5. Kotak Medium Term Fund

The investment objective of the scheme is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. There is no assurance or guarantee that the investment objective of the scheme will be achieved

Research Highlights for Kotak Medium Term Fund

Lower mid AUM (₹1,915 Cr).
Established history (12+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.79% (bottom quartile).
1M return: 0.10% (bottom quartile).
Sharpe: 0.34 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.20% (upper mid).
Modified duration: 2.98 yrs (lower mid).
Average maturity: 4.81 yrs (lower mid).
Exit load: 0-18 Months (2%),18 Months and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~87%).
High-quality debt (AAA/AA ~92%).
Largest holding Jtpm Metal TRaders Limited (~5.6%).

Below is the key information for Kotak Medium Term Fund

Kotak Medium Term Fund Growth
Launch Date	25 Mar 14
NAV (09 Sep 26)	₹24.5611 ↓ 0.00 (-0.02 %)
Net Assets (Cr)	₹1,915 on 31 Jul 26
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.63
Sharpe Ratio	0.34
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-18 Months (2%),18 Months and above(NIL)
Yield to Maturity	8.2%
Effective Maturity	4 Years 9 Months 22 Days
Modified Duration	2 Years 11 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,312
31 Aug 23	₹10,835
31 Aug 24	₹11,790
31 Aug 25	₹12,765
31 Aug 26	₹13,636

Kotak Medium Term Fund SIP Returns

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

Returns for Kotak Medium Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Sep 26

Duration	Returns
1 Month	0.1%
3 Month	2.3%
6 Month	3%
1 Year	6.8%
3 Year	8%
5 Year	6.4%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8.9%
2024	9%
2023	6.1%
2022	3.2%
2021	4.7%
2020	8.5%
2019	7%
2018	5.4%
2017	6.6%
2016	10.9%

Fund Manager information for Kotak Medium Term Fund

Name	Since	Tenure
Deepak Agrawal	25 Mar 14	12.36 Yr.
Vihag Mishra	1 Jun 25	1.17 Yr.

Data below for Kotak Medium Term Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	3.25%
Equity	9.9%
Debt	86.54%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	72.21%
Government	14.33%
Cash Equivalent	3.25%

Credit Quality

Rating	Value
A	8.11%
AA	56.36%
AAA	35.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Jtpm Metal TRaders Limited Debentures \| -	6%	₹108 Cr	10,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	5%	₹99 Cr	10,000
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	5%	₹90 Cr	9,000
Adani Power Limited Debentures \| -	5%	₹90 Cr	9,000
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| 542602	4%	₹81 Cr	1,788,346
TATA Steel Limited Debentures \| -	4%	₹75 Cr	750
360 One Prime Limited Debentures \| -	4%	₹75 Cr	7,500
Mas Financial Services Limited Debentures \| -	4%	₹74 Cr	7,500
Aditya Birla Renewables Limited Debentures \| -	3%	₹60 Cr	6,000
7.71% Govt Stock 2066 Sovereign Bonds \| -	3%	₹57 Cr	5,500,000

6. SBI Credit Risk Fund

(Erstwhile SBI Corporate Bond Fund)

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

Research Highlights for SBI Credit Risk Fund

Upper mid AUM (₹2,181 Cr).
Oldest track record among peers (22 yrs).
Rating: 4★ (top quartile).
Risk profile: Moderate.
1Y return: 8.06% (upper mid).
1M return: 0.66% (top quartile).
Sharpe: 0.93 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.38% (top quartile).
Modified duration: 2.30 yrs (upper mid).
Average maturity: 3.05 yrs (upper mid).
Exit load: 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL).
Top sector: Industrials.
Top bond sector: Corporate.
Debt-heavy allocation (~83%).
High-quality debt (AAA/AA ~89%).
Largest holding Renew Solar Energy (Jharkhand Five) Private Limited (~4.6%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund Growth
Launch Date	19 Jul 04
NAV (09 Sep 26)	₹49.8997 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹2,181 on 31 Jul 26
Category	Debt - Credit Risk
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	0.93
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL)
Yield to Maturity	8.38%
Effective Maturity	3 Years 18 Days
Modified Duration	2 Years 3 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,363
31 Aug 23	₹11,188
31 Aug 24	₹12,056
31 Aug 25	₹13,038
31 Aug 26	₹14,058

SBI Credit Risk Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for SBI Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Sep 26

Duration	Returns
1 Month	0.7%
3 Month	3%
6 Month	4.8%
1 Year	8.1%
3 Year	8%
5 Year	7.1%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.9%
2024	8.1%
2023	8.3%
2022	4.2%
2021	5%
2020	9.8%
2019	6.5%
2018	6.2%
2017	6.9%
2016	10.5%

Fund Manager information for SBI Credit Risk Fund

Name	Since	Tenure
Lokesh Mallya	1 Feb 17	9.58 Yr.
Prashanth Sridhar	1 Jul 26	0.17 Yr.

Data below for SBI Credit Risk Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	6.73%
Equity	6.67%
Debt	83.06%
Other	3.53%

Debt Sector Allocation

Sector	Value
Corporate	68.91%
Government	14.15%
Cash Equivalent	6.73%

Credit Quality

Rating	Value
A	10.66%
AA	65.27%
AAA	24.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	5%	₹100 Cr	11,000
Lodha Developers Limited Debentures \| -	5%	₹100 Cr	10,000
TATA Projects Limited Debentures \| -	5%	₹100 Cr	10,000
Nj Capital Private Limited Debentures \| -	5%	₹99 Cr	10,000
H.G. Infra Engineering Limited Debentures \| -	5%	₹99 Cr	10,000
Jtpm Metal TRaders Limited Debentures \| -	4%	₹97 Cr	9,000
Renserv Global Private Limited Debentures \| -	4%	₹80 Cr	8,000
Jsw Jfe Kalinga Steel Limited Debentures \| -	4%	₹78 Cr	7,500
Motilal Oswal Home Finance Limited Debentures \| -	3%	₹75 Cr	7,500
Aditya Birla Renewables Limited Debentures \| -	3%	₹75 Cr	7,500

7. ICICI Prudential Medium Term Bond Fund

(Erstwhile ICICI Prudential Corporate Bond Fund)

To generate income through investments in a range of debt 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 Medium Term Bond Fund

Top quartile AUM (₹5,481 Cr).
Established history (22+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 7.33% (lower mid).
1M return: 0.22% (lower mid).
Sharpe: 0.58 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.06% (lower mid).
Modified duration: 3.34 yrs (bottom quartile).
Average maturity: 6.33 yrs (bottom quartile).
Exit load: 0-1 Years (1%),1 Years and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~86%).
High-quality debt (AAA/AA ~100%).
Largest holding Embassy Office Parks REIT (~3.7%).

Below is the key information for ICICI Prudential Medium Term Bond Fund

ICICI Prudential Medium Term Bond Fund Growth
Launch Date	15 Sep 04
NAV (09 Sep 26)	₹48.6768 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹5,481 on 31 Jul 26
Category	Debt - Medium term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.37
Sharpe Ratio	0.58
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	8.06%
Effective Maturity	6 Years 3 Months 29 Days
Modified Duration	3 Years 4 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,378
31 Aug 23	₹11,063
31 Aug 24	₹11,900
31 Aug 25	₹12,907
31 Aug 26	₹13,862

ICICI Prudential Medium Term Bond Fund SIP Returns

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

Returns for ICICI Prudential Medium Term Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Sep 26

Duration	Returns
1 Month	0.2%
3 Month	2.4%
6 Month	3.7%
1 Year	7.3%
3 Year	7.9%
5 Year	6.7%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	9%
2024	8%
2023	7%
2022	4.2%
2021	5.5%
2020	10.4%
2019	9.2%
2018	5.1%
2017	6.5%
2016	10.2%

Fund Manager information for ICICI Prudential Medium Term Bond Fund

Name	Since	Tenure
Manish Banthia	7 Nov 16	9.74 Yr.
Akhil Kakkar	22 Jan 24	2.53 Yr.

Data below for ICICI Prudential Medium Term Bond Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	4.48%
Equity	9.37%
Debt	85.8%
Other	0.35%

Debt Sector Allocation

Sector	Value
Corporate	65.83%
Government	19.97%
Cash Equivalent	4.48%

Credit Quality

Rating	Value
AA	68.46%
AAA	31.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Embassy Office Parks REIT (Real Estate) -, Since 30 Apr 25 \| 542602	4%	₹203 Cr	4,475,446
6.9% Govt Stock 2065 Sovereign Bonds \| -	3%	₹177 Cr	18,979,000
Adani Enterprises Limited Debentures \| -	3%	₹176 Cr	17,500
Vedanta Aluminium Metal Limited Debentures \| -	3%	₹171 Cr	17,000
Jtpm Metal TRaders Limited Debentures \| -	3%	₹162 Cr	15,000
Oberoi Realty Limited Debentures \| -	3%	₹150 Cr	15,000
6.94% Govt Stock 2036 Sovereign Bonds \| -	3%	₹150 Cr	14,854,300 ↓ -7,500,000
TATA Projects Limited Debentures \| -	3%	₹150 Cr	15,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹149 Cr	150
7.34% Govt Stock 2064 Sovereign Bonds \| -	3%	₹146 Cr	14,822,500

8. Axis Strategic Bond Fund

(Erstwhile Axis Income Fund)

To generate optimal returns in the medium term while maintaining liquidity of the portfolio by investing in debt and money market instruments.

Research Highlights for Axis Strategic Bond Fund

Lower mid AUM (₹2,098 Cr).
Established history (14+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 6.55% (bottom quartile).
1M return: 0.21% (lower mid).
Sharpe: 0.33 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.02% (bottom quartile).
Modified duration: 3.27 yrs (bottom quartile).
Average maturity: 4.92 yrs (bottom quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~92%).
Largest holding 6.94% Govt Stock 2036 (~10.8%).

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund Growth
Launch Date	28 Mar 12
NAV (09 Sep 26)	₹30.1875 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹2,098 on 31 Jul 26
Category	Debt - Medium term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.08
Sharpe Ratio	0.33
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	8.02%
Effective Maturity	4 Years 11 Months 1 Day
Modified Duration	3 Years 3 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,372
31 Aug 23	₹11,057
31 Aug 24	₹11,960
31 Aug 25	₹12,969
31 Aug 26	₹13,818

Axis Strategic Bond Fund SIP Returns

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

Returns for Axis Strategic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Sep 26

Duration	Returns
1 Month	0.2%
3 Month	2.2%
6 Month	3.3%
1 Year	6.6%
3 Year	7.8%
5 Year	6.7%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8.2%
2024	8.7%
2023	7.3%
2022	3.8%
2021	5.2%
2020	10.5%
2019	7.1%
2018	6.7%
2017	7.5%
2016	11.6%

Fund Manager information for Axis Strategic Bond Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13.74 Yr.
Sachin Jain	1 Feb 23	3.5 Yr.
Akhil Thakker	1 Feb 23	3.5 Yr.

Data below for Axis Strategic Bond Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	3.9%
Equity	3.54%
Debt	92.26%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	66.31%
Government	25.96%
Cash Equivalent	3.9%

Credit Quality

Rating	Value
A	7.59%
AA	55.74%
AAA	36.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	11%	₹225 Cr	22,250,000 ↓ -2,000,000
Jubilant Beverages Limited Debentures \| -	3%	₹73 Cr	6,500
GMR Hyderabad International Airport Ltd Debentures \| -	3%	₹67 Cr	6,500
Tamilnadu State Development Loans Sovereign Bonds \| -	3%	₹63 Cr	6,358,600
Jubilant Bevco Limited Debentures \| -	3%	₹62 Cr	5,500
Vedanta Aluminium Metal Limited Debentures \| -	3%	₹60 Cr	6,000
Adani Power Limited Debentures \| -	3%	₹60 Cr	6,000
Delhi International Airport Limited Debentures \| -	3%	₹57 Cr	5,500
Aditya Birla Digital Fashion Ventures Limited Debentures \| -	3%	₹55 Cr	5,500
Hiranandani Financial Services Private Limited Debentures \| -	2%	₹52 Cr	5,200

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۔