بہترین انٹرمیڈیٹ ڈیبٹ فنڈز برائے ایس آئی پی انویسٹمنٹ 2022

Updated on March 30, 2026 , 1995 views

انٹرمیڈیٹبانڈز درمیانی مدت کے فنڈز کے نام سے بھی جانا جاتا ہے قرض کی ایک قسم ہے۔باہمی چندہ جو 3 سال یا اس سے زیادہ وقت کے افق کے ساتھ قرض کی ضمانتوں میں سرمایہ کاری کرتے ہیں۔ وسط مدتی فنڈز کی اوسط میچورٹی مدت مائع، انتہائی مختصر اور مختصر مدت سے زیادہ ہوتی ہےقرض فنڈ. حالیہ دنوں میں، ہندوستان میں متواتر شرح میں کمی کی وجہ سے درمیانے فنڈز نے بہترین منافع دیا ہے۔ یہ فنڈز شرح سود کے لیے کم حساس ہوتے ہیں، اور اس وجہ سے طویل مدتی فنڈز کے مقابلے میں کم اتار چڑھاؤ والے ہوتے ہیں۔گلٹ فنڈز. بہترین نتائج کے لیے، سرمایہ کاروں کو مشورہ دیا جاتا ہے کہ وہ ایک کے ذریعے بہترین انٹرمیڈیٹ ڈیٹ فنڈز میں سرمایہ کاری کریں۔گھونٹ. سرمایہ کار نیچے دیے گئے پہلے سے درج ٹاپ ریٹیڈ وسط مدتی قرض فنڈز میں سے اعلیٰ کارکردگی والی اسکیم کا انتخاب کر سکتے ہیں۔

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SIP میں سرمایہ کاری کرنے کے لیے ٹاپ 5 بہترین پرفارمنگ انٹرمیڈیٹ یا مڈ ٹرم ڈیبٹ فنڈز

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Aditya Birla Sun Life Medium Term Plan Growth	₹42.2336 ↑ 0.03	₹3,070	1,000	2.4	4.1	8.8	9.7	11.8	10.9
Nippon India Strategic Debt Fund Growth	₹16.3183 ↑ 0.00	₹139	100	0.5	2	7.7	7.7	8.8	9.6
Axis Strategic Bond Fund Growth	₹29.0994 ↑ 0.01	₹2,122	1,000	0.6	2.2	6.3	7.7	6.6	8.2
Kotak Medium Term Fund Growth	₹23.6469 ↑ 0.00	₹2,007	1,000	0.1	1.9	6.7	7.7	6.4	8.9
HDFC Medium Term Debt Fund Growth	₹58.243 ↑ 0.01	₹3,873	300	0.4	2	5.7	7.1	6.1	7.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Mar 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Medium Term Plan	Nippon India Strategic Debt Fund	Axis Strategic Bond Fund	Kotak Medium Term Fund	HDFC Medium Term Debt Fund
Point 1	Upper mid AUM (₹3,070 Cr).	Bottom quartile AUM (₹139 Cr).	Lower mid AUM (₹2,122 Cr).	Bottom quartile AUM (₹2,007 Cr).	Highest AUM (₹3,873 Cr).
Point 2	Established history (17+ yrs).	Established history (11+ yrs).	Established history (14+ yrs).	Established history (12+ yrs).	Oldest track record among peers (24 yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 8.80% (top quartile).	1Y return: 7.74% (upper mid).	1Y return: 6.34% (bottom quartile).	1Y return: 6.71% (lower mid).	1Y return: 5.70% (bottom quartile).
Point 6	1M return: -0.32% (top quartile).	1M return: -0.47% (upper mid).	1M return: -0.50% (bottom quartile).	1M return: -0.96% (bottom quartile).	1M return: -0.48% (lower mid).
Point 7	Sharpe: 2.37 (top quartile).	Sharpe: 1.24 (bottom quartile).	Sharpe: 1.44 (lower mid).	Sharpe: 1.71 (upper mid).	Sharpe: 0.91 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.80% (bottom quartile).	Yield to maturity (debt): 7.57% (bottom quartile).	Yield to maturity (debt): 7.91% (upper mid).	Yield to maturity (debt): 8.09% (top quartile).	Yield to maturity (debt): 7.90% (lower mid).
Point 10	Modified duration: 2.96 yrs (top quartile).	Modified duration: 3.68 yrs (bottom quartile).	Modified duration: 3.52 yrs (bottom quartile).	Modified duration: 3.07 yrs (upper mid).	Modified duration: 3.17 yrs (lower mid).

Aditya Birla Sun Life Medium Term Plan

Upper mid AUM (₹3,070 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.80% (top quartile).
1M return: -0.32% (top quartile).
Sharpe: 2.37 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.80% (bottom quartile).
Modified duration: 2.96 yrs (top quartile).

Nippon India Strategic Debt Fund

Bottom quartile AUM (₹139 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.74% (upper mid).
1M return: -0.47% (upper mid).
Sharpe: 1.24 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.57% (bottom quartile).
Modified duration: 3.68 yrs (bottom quartile).

Axis Strategic Bond Fund

Lower mid AUM (₹2,122 Cr).
Established history (14+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 6.34% (bottom quartile).
1M return: -0.50% (bottom quartile).
Sharpe: 1.44 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.91% (upper mid).
Modified duration: 3.52 yrs (bottom quartile).

Kotak Medium Term Fund

Bottom quartile AUM (₹2,007 Cr).
Established history (12+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.71% (lower mid).
1M return: -0.96% (bottom quartile).
Sharpe: 1.71 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.09% (top quartile).
Modified duration: 3.07 yrs (upper mid).

HDFC Medium Term Debt Fund

Highest AUM (₹3,873 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.70% (bottom quartile).
1M return: -0.48% (lower mid).
Sharpe: 0.91 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.90% (lower mid).
Modified duration: 3.17 yrs (lower mid).

1. 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 (₹3,070 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.80% (top quartile).
1M return: -0.32% (top quartile).
Sharpe: 2.37 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.80% (bottom quartile).
Modified duration: 2.96 yrs (top quartile).
Average maturity: 3.90 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 (~90%).
High-quality debt (AAA/AA ~88%).
Largest holding 6.79% Gs 2034 (~8.0%).

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 (31 Mar 26)	₹42.2336 ↑ 0.03 (0.08 %)
Net Assets (Cr)	₹3,070 on 28 Feb 26
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.57
Sharpe Ratio	2.37
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	7.8%
Effective Maturity	3 Years 10 Months 24 Days
Modified Duration	2 Years 11 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,945
31 Mar 23	₹13,258
31 Mar 24	₹14,230
31 Mar 25	₹16,085
31 Mar 26	₹17,500

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 31 Mar 26

Duration	Returns
1 Month	-0.3%
3 Month	2.4%
6 Month	4.1%
1 Year	8.8%
3 Year	9.7%
5 Year	11.8%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.9%
2023	10.5%
2022	6.9%
2021	24.8%
2020	7.1%
2019	8.1%
2018	-4.4%
2017	5.6%
2016	7%
2015	10.9%

Fund Manager information for Aditya Birla Sun Life Medium Term Plan

Name	Since	Tenure
Sunaina Cunha	1 Sep 14	11.5 Yr.
Mohit Sharma	6 Aug 20	5.57 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	5.27%
Equity	4.28%
Debt	90.19%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	57.42%
Government	32.77%
Cash Equivalent	5.27%

Credit Quality

Rating	Value
A	11.55%
AA	39.56%
AAA	48.89%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Gs 2034 Sovereign Bonds \| -	8%	₹247 Cr	24,500,000
7.10% Gs 2034 Sovereign Bonds \| -	7%	₹218 Cr	21,196,700
National Bank for Agriculture and Rural Development 7.27% Domestic Bonds \| -	4%	₹126 Cr	12,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹114 Cr	11,500
Hinduja Leyland Finance Limited Debentures \| -	4%	₹108 Cr	11,000
Nuvama Wealth Finance Limited Debentures \| -	3%	₹96 Cr	9,500
6.48% Gs 2035 Sovereign Bonds \| -	3%	₹94 Cr	9,500,000
GMR Airports Limited Debentures \| -	3%	₹83 Cr	8,000
Jubilant Bevco Limited Debentures \| -	3%	₹80 Cr	7,400
Jtpm Metal TRaders Limited Debentures \| -	3%	₹80 Cr	7,673

2. Nippon India Strategic Debt Fund

(Erstwhile Reliance Classic 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. The scheme would focus its investments predominantly in corporate bonds of various maturities and across ratings for the purpose of achieving regular income and capital appreciation.

Research Highlights for Nippon India Strategic Debt Fund

Bottom quartile AUM (₹139 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.74% (upper mid).
1M return: -0.47% (upper mid).
Sharpe: 1.24 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.57% (bottom quartile).
Modified duration: 3.68 yrs (bottom quartile).
Average maturity: 4.84 yrs (bottom quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top bond sector: Corporate.
Debt-heavy allocation (~84%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.17% Madhyapradesh Sgs 2031 (~7.2%).

Below is the key information for Nippon India Strategic Debt Fund

Nippon India Strategic Debt Fund Growth
Launch Date	26 Jun 14
NAV (31 Mar 26)	₹16.3183 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹139 on 28 Feb 26
Category	Debt - Medium term Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.08
Sharpe Ratio	1.24
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	7.57%
Effective Maturity	4 Years 10 Months 2 Days
Modified Duration	3 Years 8 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹11,785
31 Mar 23	₹12,209
31 Mar 24	₹13,051
31 Mar 25	₹14,169
31 Mar 26	₹15,267

Nippon India Strategic Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148 Invest Now

Returns for Nippon India Strategic Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Mar 26

Duration	Returns
1 Month	-0.5%
3 Month	0.5%
6 Month	2%
1 Year	7.7%
3 Year	7.7%
5 Year	8.8%
10 Year
15 Year
Since launch	4.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.6%
2023	8.3%
2022	7%
2021	2%
2020	17.4%
2019	-23.5%
2018	-3.4%
2017	4.7%
2016	6.9%
2015	11.1%

Fund Manager information for Nippon India Strategic Debt Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.77 Yr.
Sushil Budhia	1 Feb 20	6.08 Yr.
Akshay Sharma	1 Dec 22	3.25 Yr.
Lokesh Maru	5 Sep 25	0.48 Yr.
Divya Sharma	5 Sep 25	0.48 Yr.

Data below for Nippon India Strategic Debt Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	16.04%
Debt	83.61%
Other	0.35%

Debt Sector Allocation

Sector	Value
Corporate	47.24%
Government	36.37%
Cash Equivalent	16.04%

Credit Quality

Rating	Value
AA	45.24%
AAA	54.76%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.17% Madhyapradesh Sgs 2031 Sovereign Bonds \| -	7%	₹10 Cr	1,000,000
6.79% Gs 2034 Sovereign Bonds \| -	7%	₹10 Cr	1,000,000
6.68% Gs 2040 Sovereign Bonds \| -	7%	₹10 Cr	1,000,000
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹5 Cr	1,000
Rec Limited Debentures \| -	4%	₹5 Cr	50
7.10% Gs 2034 Sovereign Bonds \| -	4%	₹5 Cr	500,000
TRuhome Finance Limited Debentures \| -	4%	₹5 Cr	500
Aditya Birla Real Estate Limited Debentures \| -	4%	₹5 Cr	500
7.08% Chhattisgarh Sdl 2030 Sovereign Bonds \| -	4%	₹5 Cr	500,000
Andhra Pradesh State Beverages Corporation Limited Debentures \| -	4%	₹5 Cr	500

3. 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 (₹2,122 Cr).
Established history (14+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 6.34% (bottom quartile).
1M return: -0.50% (bottom quartile).
Sharpe: 1.44 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.91% (upper mid).
Modified duration: 3.52 yrs (bottom quartile).
Average maturity: 5.13 yrs (bottom quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top sector: Utility.
Top bond sector: Corporate.
Debt-heavy allocation (~91%).
High-quality debt (AAA/AA ~88%).
Largest holding 7.10% Gs 2034 (~5.4%).

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund Growth
Launch Date	28 Mar 12
NAV (31 Mar 26)	₹29.0994 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹2,122 on 28 Feb 26
Category	Debt - Medium term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.08
Sharpe Ratio	1.44
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	7.91%
Effective Maturity	5 Years 1 Month 17 Days
Modified Duration	3 Years 6 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,564
31 Mar 23	₹11,042
31 Mar 24	₹11,916
31 Mar 25	₹12,955
31 Mar 26	₹13,776

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 31 Mar 26

Duration	Returns
1 Month	-0.5%
3 Month	0.6%
6 Month	2.2%
1 Year	6.3%
3 Year	7.7%
5 Year	6.6%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.2%
2023	8.7%
2022	7.3%
2021	3.8%
2020	5.2%
2019	10.5%
2018	7.1%
2017	6.7%
2016	7.5%
2015	11.6%

Fund Manager information for Axis Strategic Bond Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13.32 Yr.
Sachin Jain	1 Feb 23	3.08 Yr.
Akhil Thakker	1 Feb 23	3.08 Yr.

Data below for Axis Strategic Bond Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	6.01%
Equity	2.27%
Debt	91.44%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	58.6%
Government	32.84%
Cash Equivalent	6.01%

Credit Quality

Rating	Value
A	12.29%
AA	48.07%
AAA	39.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.10% Gs 2034 Sovereign Bonds \| -	5%	₹115 Cr	11,200,000
Jubilant Beverages Limited Debentures \| -	3%	₹70 Cr	6,500
GMR Hyderabad International Airport Ltd Debentures \| -	3%	₹67 Cr	6,500
6.48% Gs 2035 Sovereign Bonds \| -	3%	₹67 Cr	6,800,000
7.18% Tamilnadu Sgs 2033 Sovereign Bonds \| -	3%	₹63 Cr	6,358,600
Vedanta Limited Debentures \| -	3%	₹60 Cr	6,000
Adani Power Limited Debentures \| -	3%	₹60 Cr	6,000
Jubilant Bevco Limited Debentures \| -	3%	₹60 Cr	5,500
Nuvama Wealth Finance Limited Debentures \| -	3%	₹58 Cr	5,800
Delhi International Airport Limited Debentures \| -	3%	₹57 Cr	5,500

4. 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

Bottom quartile AUM (₹2,007 Cr).
Established history (12+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.71% (lower mid).
1M return: -0.96% (bottom quartile).
Sharpe: 1.71 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.09% (top quartile).
Modified duration: 3.07 yrs (upper mid).
Average maturity: 4.53 yrs (upper mid).
Exit load: 0-18 Months (2%),18 Months and above(NIL).
Higher exposure to Real Estate vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~82%).
High-quality debt (AAA/AA ~92%).
Largest holding Jtpm Metal TRaders Limited (~5.2%).

Below is the key information for Kotak Medium Term Fund

Kotak Medium Term Fund Growth
Launch Date	25 Mar 14
NAV (31 Mar 26)	₹23.6469 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹2,007 on 28 Feb 26
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.63
Sharpe Ratio	1.71
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	8.09%
Effective Maturity	4 Years 6 Months 11 Days
Modified Duration	3 Years 25 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,604
31 Mar 23	₹10,925
31 Mar 24	₹11,805
31 Mar 25	₹12,781
31 Mar 26	₹13,639

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 31 Mar 26

Duration	Returns
1 Month	-1%
3 Month	0.1%
6 Month	1.9%
1 Year	6.7%
3 Year	7.7%
5 Year	6.4%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.9%
2023	9%
2022	6.1%
2021	3.2%
2020	4.7%
2019	8.5%
2018	7%
2017	5.4%
2016	6.6%
2015	10.9%

Fund Manager information for Kotak Medium Term Fund

Name	Since	Tenure
Deepak Agrawal	25 Mar 14	11.94 Yr.
Vihag Mishra	1 Jun 25	0.75 Yr.

Data below for Kotak Medium Term Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	7.79%
Equity	9.66%
Debt	82.27%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	71.25%
Government	11.01%
Cash Equivalent	7.79%

Credit Quality

Rating	Value
A	7.99%
AA	53.68%
AAA	38.33%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Jtpm Metal TRaders Limited Debentures \| -	5%	₹104 Cr	10,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	5%	₹100 Cr	10,000
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	5%	₹91 Cr	9,000
Adani Power Ltd Debentures \| -	4%	₹90 Cr	9,000
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| EMBASSY	4%	₹85 Cr	1,998,346
TATA Steel Limited Debentures \| -	4%	₹76 Cr	750
Pipeline Infrastructure Limited Debentures \| -	3%	₹64 Cr	6,280
Aditya Birla Renewables Limited Debentures \| -	3%	₹60 Cr	6,000
Aditya Birla Real Estate Limited Debentures \| -	3%	₹56 Cr	5,500
Indigrid Infrastructure Trust Debentures \| -	3%	₹51 Cr	5,000

5. HDFC Medium Term Debt Fund

(Erstwhile HDFC High Interest Fund - Short Term Plan)

To generate income by investing in a range of debt and money market instruments of various maturity dates with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. The objective is to cater to the needs of investors with shorter term investment horizons and to provide stable returns over shorter periods.

Research Highlights for HDFC Medium Term Debt Fund

Highest AUM (₹3,873 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.70% (bottom quartile).
1M return: -0.48% (lower mid).
Sharpe: 0.91 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.90% (lower mid).
Modified duration: 3.17 yrs (lower mid).
Average maturity: 4.82 yrs (lower mid).
Exit load: 0-1 Months (0.25%),1 Months and above(NIL).
Top sector: Real Estate.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~93%).
Largest holding 7.18% Gs 2037 (~6.1%).

Below is the key information for HDFC Medium Term Debt Fund

HDFC Medium Term Debt Fund Growth
Launch Date	6 Feb 02
NAV (31 Mar 26)	₹58.243 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹3,873 on 28 Feb 26
Category	Debt - Medium term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.29
Sharpe Ratio	0.91
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity	7.9%
Effective Maturity	4 Years 9 Months 25 Days
Modified Duration	3 Years 2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,555
31 Mar 23	₹10,931
31 Mar 24	₹11,748
31 Mar 25	₹12,711
31 Mar 26	₹13,436

HDFC Medium Term Debt 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 HDFC Medium Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Mar 26

Duration	Returns
1 Month	-0.5%
3 Month	0.4%
6 Month	2%
1 Year	5.7%
3 Year	7.1%
5 Year	6.1%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	8.1%
2022	6.7%
2021	2.9%
2020	5%
2019	10%
2018	9.1%
2017	5.6%
2016	5.5%
2015	11.5%

Fund Manager information for HDFC Medium Term Debt Fund

Name	Since	Tenure
Anil Bamboli	7 Mar 26	0 Yr.
Praveen Jain	7 Mar 26	0 Yr.
Dhruv Muchhal	22 Jun 23	2.69 Yr.
Bhavyesh Divecha	1 Mar 25	1 Yr.

Data below for HDFC Medium Term Debt Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	4.94%
Equity	2.79%
Debt	91.95%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	70.48%
Government	21.47%
Cash Equivalent	4.94%

Credit Quality

Rating	Value
A	6.59%
AA	47.2%
AAA	46.2%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Gs 2037 Sovereign Bonds \| -	6%	₹237 Cr	23,047,700
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	5%	₹177 Cr	175
7.23% Gs 2039 Sovereign Bonds \| -	4%	₹164 Cr	16,000,000
TATA Steel Limited Debentures \| -	4%	₹147 Cr	14,500
GMR Airports Limited Debentures \| -	4%	₹140 Cr	13,500
Jubilant Beverages Limited Debentures \| -	3%	₹116 Cr	10,720
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹101 Cr	100
Kalpataru Projects International Limited Debentures \| -	3%	₹100 Cr	10,000
SK Finance Limited Debentures \| -	3%	₹100 Cr	10,000
Sbfc Finance Limited Debentures \| -	3%	₹100 Cr	10,000

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