بہترین انٹرمیڈیٹ ڈیبٹ فنڈز برائے ایس آئی پی انویسٹمنٹ 2022

Updated on July 9, 2026 , 2226 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	₹43.574 ↑ 0.05	₹3,127	1,000	2.5	3.8	8.7	10	12.1	10.9
Axis Strategic Bond Fund Growth	₹29.9915 ↑ 0.03	₹2,067	1,000	2.5	3.7	6.5	7.9	6.9	8.2
Nippon India Strategic Debt Fund Growth	₹16.7931 ↑ 0.02	₹146	100	2.3	3.5	5.9	8	6.4	9.6
Kotak Medium Term Fund Growth	₹24.4073 ↑ 0.04	₹1,814	1,000	2.2	3.3	6.8	8.2	6.6	8.9
HDFC Medium Term Debt Fund Growth	₹60.0261 ↑ 0.09	₹3,694	300	2.4	3.6	6.1	7.4	6.3	7.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Medium Term Plan	Axis Strategic Bond Fund	Nippon India Strategic Debt Fund	Kotak Medium Term Fund	HDFC Medium Term Debt Fund
Point 1	Upper mid AUM (₹3,127 Cr).	Lower mid AUM (₹2,067 Cr).	Bottom quartile AUM (₹146 Cr).	Bottom quartile AUM (₹1,814 Cr).	Highest AUM (₹3,694 Cr).
Point 2	Established history (17+ yrs).	Established history (14+ yrs).	Established history (12+ 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: 8.73% (top quartile).	1Y return: 6.46% (lower mid).	1Y return: 5.87% (bottom quartile).	1Y return: 6.83% (upper mid).	1Y return: 6.11% (bottom quartile).
Point 6	1M return: 1.30% (upper mid).	1M return: 1.27% (lower mid).	1M return: 1.12% (bottom quartile).	1M return: 1.36% (top quartile).	1M return: 1.23% (bottom quartile).
Point 7	Sharpe: 0.70 (top quartile).	Sharpe: -0.59 (bottom quartile).	Sharpe: 0.21 (upper mid).	Sharpe: -0.34 (lower mid).	Sharpe: -0.85 (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): 8.49% (lower mid).	Yield to maturity (debt): 8.39% (bottom quartile).	Yield to maturity (debt): 8.08% (bottom quartile).	Yield to maturity (debt): 8.72% (top quartile).	Yield to maturity (debt): 8.59% (upper mid).
Point 10	Modified duration: 2.85 yrs (upper mid).	Modified duration: 3.06 yrs (bottom quartile).	Modified duration: 3.09 yrs (bottom quartile).	Modified duration: 2.70 yrs (top quartile).	Modified duration: 2.95 yrs (lower mid).

Aditya Birla Sun Life Medium Term Plan

Upper mid AUM (₹3,127 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.73% (top quartile).
1M return: 1.30% (upper mid).
Sharpe: 0.70 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 8.49% (lower mid).
Modified duration: 2.85 yrs (upper mid).

Axis Strategic Bond Fund

Lower mid AUM (₹2,067 Cr).
Established history (14+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 6.46% (lower mid).
1M return: 1.27% (lower mid).
Sharpe: -0.59 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.39% (bottom quartile).
Modified duration: 3.06 yrs (bottom quartile).

Nippon India Strategic Debt Fund

Bottom quartile AUM (₹146 Cr).
Established history (12+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 5.87% (bottom quartile).
1M return: 1.12% (bottom quartile).
Sharpe: 0.21 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.08% (bottom quartile).
Modified duration: 3.09 yrs (bottom quartile).

Kotak Medium Term Fund

Bottom quartile AUM (₹1,814 Cr).
Established history (12+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.83% (upper mid).
1M return: 1.36% (top quartile).
Sharpe: -0.34 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.72% (top quartile).
Modified duration: 2.70 yrs (top quartile).

HDFC Medium Term Debt Fund

Highest AUM (₹3,694 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.11% (bottom quartile).
1M return: 1.23% (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.59% (upper mid).
Modified duration: 2.95 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 (₹3,127 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.73% (top quartile).
1M return: 1.30% (upper mid).
Sharpe: 0.70 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 8.49% (lower mid).
Modified duration: 2.85 yrs (upper mid).
Average maturity: 3.86 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 (~92%).
High-quality debt (AAA/AA ~84%).
Largest holding 6.68% Govt Stock 2040 (~10.2%).

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 (10 Jul 26)	₹43.574 ↑ 0.05 (0.12 %)
Net Assets (Cr)	₹3,127 on 31 May 26
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.57
Sharpe Ratio	0.7
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	8.49%
Effective Maturity	3 Years 10 Months 10 Days
Modified Duration	2 Years 10 Months 6 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,728
30 Jun 23	₹13,320
30 Jun 24	₹14,287
30 Jun 25	₹16,274
30 Jun 26	₹17,721

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹218,539.
Net Profit of ₹38,539 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 10 Jul 26

Duration	Returns
1 Month	1.3%
3 Month	2.5%
6 Month	3.8%
1 Year	8.7%
3 Year	10%
5 Year	12.1%
10 Year
15 Year
Since launch	8.9%

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	11.84 Yr.
Mohit Sharma	6 Aug 20	5.9 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.21%
Equity	4.11%
Debt	92.19%
Other	0.49%

Debt Sector Allocation

Sector	Value
Corporate	61.81%
Government	30.38%
Cash Equivalent	3.21%

Credit Quality

Rating	Value
A	15.51%
AA	39.42%
AAA	45.06%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	10%	₹325 Cr	34,000,000 ↑ 27,500,000
Bajaj Housing Finance Limited Debentures \| -	5%	₹153 Cr	15,000 ↑ 15,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹125 Cr	12,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹113 Cr	11,500
Hinduja Leyland Finance Limited Debentures \| -	3%	₹109 Cr	11,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹100 Cr	10,000 ↑ 10,000
Oxyzo Financial Services Limited Debentures \| -	3%	₹89 Cr	9,000
GMR Airports Limited Debentures \| -	3%	₹84 Cr	8,000
Jtpm Metal TRaders Limited Debentures \| -	3%	₹82 Cr	7,673
Jubilant Bevco Limited Debentures \| -	3%	₹82 Cr	7,400

2. 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 (₹2,067 Cr).
Established history (14+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 6.46% (lower mid).
1M return: 1.27% (lower mid).
Sharpe: -0.59 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.39% (bottom quartile).
Modified duration: 3.06 yrs (bottom quartile).
Average maturity: 4.53 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 ~87%).
Largest holding 6.94% Govt Stock 2036 (~8.9%).

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund Growth
Launch Date	28 Mar 12
NAV (10 Jul 26)	₹29.9915 ↑ 0.03 (0.11 %)
Net Assets (Cr)	₹2,067 on 31 May 26
Category	Debt - Medium term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.08
Sharpe Ratio	-0.59
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	8.39%
Effective Maturity	4 Years 6 Months 11 Days
Modified Duration	3 Years 22 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,330
30 Jun 23	₹11,105
30 Jun 24	₹11,933
30 Jun 25	₹13,075
30 Jun 26	₹13,935

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 10 Jul 26

Duration	Returns
1 Month	1.3%
3 Month	2.5%
6 Month	3.7%
1 Year	6.5%
3 Year	7.9%
5 Year	6.9%
10 Year
15 Year
Since launch	8%

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	13.66 Yr.
Sachin Jain	1 Feb 23	3.41 Yr.
Akhil Thakker	1 Feb 23	3.41 Yr.

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

Asset Allocation

Asset Class	Value
Cash	4.35%
Equity	3.35%
Debt	92.02%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	63.46%
Government	29.69%
Cash Equivalent	3.22%

Credit Quality

Rating	Value
A	12.91%
AA	51.75%
AAA	35.34%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	9%	₹188 Cr	18,750,000 ↑ 15,000,000
Jubilant Beverages Limited Debentures \| -	3%	₹72 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%	₹61 Cr	5,500
Vedanta Limited Debentures \| -	3%	₹60 Cr	6,000
Adani Power Limited Debentures \| -	3%	₹60 Cr	6,000
Nuvama Wealth Finance Limited Debentures \| -	3%	₹58 Cr	5,800
Delhi International Airport Limited Debentures \| -	3%	₹56 Cr	5,500
Aditya Birla Digital Fashion Ventures Limited Debentures \| -	3%	₹55 Cr	5,500

3. 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 (₹146 Cr).
Established history (12+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 5.87% (bottom quartile).
1M return: 1.12% (bottom quartile).
Sharpe: 0.21 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.08% (bottom quartile).
Modified duration: 3.09 yrs (bottom quartile).
Average maturity: 4.54 yrs (bottom quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top bond sector: Corporate.
Debt-heavy allocation (~79%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.79% Govt Stock 2034 (~6.7%).

Below is the key information for Nippon India Strategic Debt Fund

Nippon India Strategic Debt Fund Growth
Launch Date	26 Jun 14
NAV (10 Jul 26)	₹16.7931 ↑ 0.02 (0.11 %)
Net Assets (Cr)	₹146 on 31 May 26
Category	Debt - Medium term Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.08
Sharpe Ratio	0.21
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	8.08%
Effective Maturity	4 Years 6 Months 14 Days
Modified Duration	3 Years 1 Month 2 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹11,532
30 Jun 23	₹12,326
30 Jun 24	₹13,150
30 Jun 25	₹14,333
30 Jun 26	₹15,545

Nippon India Strategic 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 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 10 Jul 26

Duration	Returns
1 Month	1.1%
3 Month	2.3%
6 Month	3.5%
1 Year	5.9%
3 Year	8%
5 Year	6.4%
10 Year
15 Year
Since launch	4.4%

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	8.1 Yr.
Sushil Budhia	1 Feb 20	6.41 Yr.
Akshay Sharma	1 Dec 22	3.58 Yr.
Amber Singhania	11 Mar 26	0.3 Yr.

Data below for Nippon India Strategic Debt Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	20.55%
Debt	79.12%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	54.99%
Government	30.53%
Cash Equivalent	14.15%

Credit Quality

Rating	Value
AA	46.56%
AAA	53.44%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 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
7.26% Govt Stock 2033 Sovereign Bonds \| -	3%	₹5 Cr	500,000 ↑ 500,000
Andhra Pradesh State Beverages Corporation Limited Debentures \| -	3%	₹5 Cr	500
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹5 Cr	500,000
TRuhome Finance Limited Debentures \| -	3%	₹5 Cr	500
Aditya Birla Real Estate Limited Debentures \| -	3%	₹5 Cr	500
7.08% Chhattisgarh Sdl 2030 Sovereign Bonds \| -	3%	₹5 Cr	500,000
Adani Power Limited Debentures \| -	3%	₹5 Cr	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 (₹1,814 Cr).
Established history (12+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.83% (upper mid).
1M return: 1.36% (top quartile).
Sharpe: -0.34 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.72% (top quartile).
Modified duration: 2.70 yrs (top quartile).
Average maturity: 4.17 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 (~88%).
High-quality debt (AAA/AA ~91%).
Largest holding Jtpm Metal TRaders Limited (~5.8%).

Below is the key information for Kotak Medium Term Fund

Kotak Medium Term Fund Growth
Launch Date	25 Mar 14
NAV (10 Jul 26)	₹24.4073 ↑ 0.04 (0.15 %)
Net Assets (Cr)	₹1,814 on 31 May 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	8.72%
Effective Maturity	4 Years 2 Months 1 Day
Modified Duration	2 Years 8 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,293
30 Jun 23	₹10,908
30 Jun 24	₹11,765
30 Jun 25	₹12,903
30 Jun 26	₹13,770

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 10 Jul 26

Duration	Returns
1 Month	1.4%
3 Month	2.2%
6 Month	3.3%
1 Year	6.8%
3 Year	8.2%
5 Year	6.6%
10 Year
15 Year
Since launch	7.5%

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	12.27 Yr.
Vihag Mishra	1 Jun 25	1.08 Yr.

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

Asset Allocation

Asset Class	Value
Cash	2.3%
Equity	9.85%
Debt	87.53%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	75.68%
Government	11.86%
Cash Equivalent	2.3%

Credit Quality

Rating	Value
A	8.69%
AA	54.57%
AAA	36.74%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Jtpm Metal TRaders Limited Debentures \| -	6%	₹106 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%	₹77 Cr	1,788,346
360 One Prime Limited Debentures \| -	4%	₹75 Cr	7,500
TATA Steel Limited Debentures \| -	4%	₹75 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%	₹55 Cr	5,500

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 (₹3,694 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.11% (bottom quartile).
1M return: 1.23% (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.59% (upper mid).
Modified duration: 2.95 yrs (lower mid).
Average maturity: 4.38 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 (~91%).
High-quality debt (AAA/AA ~93%).
Largest holding 7.18% Govt Stock 2037 (~5.0%).

Below is the key information for HDFC Medium Term Debt Fund

HDFC Medium Term Debt Fund Growth
Launch Date	6 Feb 02
NAV (10 Jul 26)	₹60.0261 ↑ 0.09 (0.15 %)
Net Assets (Cr)	₹3,694 on 31 May 26
Category	Debt - Medium term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.29
Sharpe Ratio	-0.85
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	8.59%
Effective Maturity	4 Years 4 Months 17 Days
Modified Duration	2 Years 11 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,219
30 Jun 23	₹10,962
30 Jun 24	₹11,713
30 Jun 25	₹12,766
30 Jun 26	₹13,559

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 10 Jul 26

Duration	Returns
1 Month	1.2%
3 Month	2.4%
6 Month	3.6%
1 Year	6.1%
3 Year	7.4%
5 Year	6.3%
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	0.32 Yr.
Praveen Jain	7 Mar 26	0.32 Yr.
Dhruv Muchhal	22 Jun 23	3.03 Yr.
Bhavyesh Divecha	1 Mar 25	1.33 Yr.

Data below for HDFC Medium Term Debt Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	4.86%
Equity	2.94%
Debt	90.72%
Other	1.48%

Debt Sector Allocation

Sector	Value
Corporate	73.28%
Government	17.44%
Cash Equivalent	4.86%

Credit Quality

Rating	Value
A	7.4%
AA	49.58%
AAA	43.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	5%	₹184 Cr	18,047,700 ↓ -3,000,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	5%	₹175 Cr	175
GMR Airports Limited Debentures \| -	4%	₹157 Cr	15,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	4%	₹136 Cr	13,500,000 ↓ -2,500,000
Jubilant Beverages Limited Debentures \| -	3%	₹118 Cr	10,720
Small Industries Development Bank Of India Debentures \| -	3%	₹101 Cr	10,000 ↑ 10,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹100 Cr	100
SK Finance Limited Debentures \| -	3%	₹100 Cr	10,000
Kalpataru Projects International Limited Debentures \| -	3%	₹100 Cr	10,000
Sbfc Finance Limited Debentures \| -	3%	₹100 Cr	10,000

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