آپ کی اکٹھا سرمایہ کاری کیلئے قرض باہمی فنڈز

Updated on November 4, 2025 , 2409 views

عام طور پر ، جب کوئی چاہتا ہےباہمی فنڈز میں سرمایہ کاری کریں، وہ الجھن میں ہیں اگر انہیں ایک لے جانا چاہئےگھونٹ راستہ یا ایک ایکبل رقم۔ آئیے آپ کو آسان بنادیں! وہ سرمایہ کار جو قرضوں کے فنڈز میں سرمایہ کاری کرنے کا سوچ رہے ہیں انھیں مثالی طور پر ایک وقتی ادائیگی کا طریقہ منتخب کرنا چاہئے ، جو کہ سرمایہ کاری کا ایک ایک وقفہ ہے۔ آسانی کے ساتھ کم مدت کے لئے سرمایہ کاری کرنا ہمیشہ دانشمند ہےلیکویڈیٹی.

ڈیبٹ میوچل فنڈ کی سرمایہ کاری کے ل L ایک ایک بار کیوں؟

ایک ایک خاصہ سرمایہ کاری کے لئے ، قرض کے فنڈز کے مقابلے میں ایک بہتر آپشن ہیںایکویٹی باہمی فنڈز. ایک ایک خطوط راستہ سود کی شرح میں تبدیلی کے خطرے کو کم کرنے کے ساتھ ساتھ فکسڈ ڈپازٹ (ایف ڈی) کے مقابلے میں بہتر منافع بھی دیتا ہے۔ مثالی طور پر ، جب آپ قرضہ فنڈز میں ایک ایکٹ وے پر سرمایہ کاری کرتے ہیں تو ، اس سے دو معاملات حل ہوجاتے ہیں one ایک ٹیکس کے فوائد اور دوسرا سرمایہ کاری کا خطرہ۔

سود کی بڑھتی ہوئی شرح کے دوران ، یہ بہتر وقت ہے کہ اعلی سطح کے پورٹ فولیو کے ساتھ قرض پر مبنی فنڈز میں ایک ایکسل خطرہ لیا جائے۔بانڈز. یہ فنڈز عام طور پر ان لوگوں کے لئے موزوں ہوتے ہیں جن کے پاس بیکار بچت ہوتی ہے اور وہ زیادہ سے زیادہ واپسی کے لئے سرمایہ کاری کرنا چاہتے ہیں۔ کسی بھی قسم کی یکساں معاوضہ ادائیگی کی جاسکتی ہےمشترکہ فنڈ.

ایک منظم رقم کے مقابلے میں ایک ایک خاص سرمایہ کاری اچھی طرح سے کام کرتی ہےسرمایہ کاری کا منصوبہ- صرف اس صورت میں جب مارکیٹ میں کمی کے دوران یا کم قیمت پر سرمایہ کاری کی جائے۔ تاہم ، ایکمقصدسرمایہ کاری جب مارکیٹ کی قیمتوں کو بڑھایا جاتا ہے یا جب آپ کی سرمایہ کاری کے ابتدائی مرحلے میں مارکیٹ تیزی سے درست ہوجاتی ہے تو کوئی زیادہ سرمایہ کاری نہیں کرسکتا۔

قرضوں کے فنڈز میں کیسے سرمایہ لگائیں: تشخیص کریں

فنڈ ریٹرن- کھانے میں ٹریک کا اچھا ریکارڈ ہونا چاہئے۔ ایک فنڈ ہاؤس میں جائیں جس میں مستقل کارکردگی کی فراہمی کی مضبوط تاریخ ہے۔ فنڈ کا گذشتہ 1 ، 3 اور 5 سال کا ریٹرن چیک کریں اور اگر وہ اپنے معیار کو مات دینے میں کامیاب ہے یا نہیں۔

میچ کے وقت افقڈیبٹ فنڈز اپنی پختگی کی مدت کے ساتھ ساتھ سرمایہ کاری کے متنوع انتخاب پیش کرتے ہیں۔ سرمایہ کاروں کو ان کی پختگی کی مدت کی بنیاد پر سرمایہ کاری کا فیصلہ کرنے کی ضرورت ہوتی ہے ، جبکہ وہ دوسرے کے ساتھ موازنہ بھی کرسکتے ہیںقرض فنڈ ان آلات کو منتخب کریں اور ان کے منصوبے کے ل one ایک مناسب انتخاب کریں۔ مثال کے طور پر ، اگر آپ ایک سالہ سرمایہ کاری کے منصوبے کا ٹائم فریم دیکھ رہے ہیں تو ، ایک مختصر مدتی قرض فنڈ مثالی طور پر موزوں ہوسکتا ہے۔

اخراجات کا تناسب- قرض کے فنڈز میں غور کرنے کے لئے ایک اہم عنصر اس کے اخراجات کا تناسب ہے۔ اخراجات کا ایک اعلی تناسب فنڈز کی کارکردگی پر بڑا اثر ڈالتا ہے۔ مثال کے طور پر،مائع فنڈز سب سے کم اخراجات کا تناسب جو 50 بی پی ایس تک ہے (بی پی ایس سود کی شرح کی پیمائش کرنے کے لئے ایک یونٹ ہے جس میں ایک بی پی ایس 1٪ کے 1 / 100th کے برابر ہے) جبکہ دیگر قرضوں کے فنڈز 150 بی پی ایس تک وصول کرسکتے ہیں۔ لہذا ایک قرض میوچل فنڈ کے درمیان انتخاب کرنے کے ل the ، انتظامیہ کی فیس یا فنڈ کے چلنے والے اخراجات پر غور کرنا ضروری ہے۔

سرفہرست 10 بہترین ایک مجموعہ قرض میوچل فنڈز 2020 - 2021

ذیل میں اعلی درجے کے فنڈز ہیںقرض زمرہ جات بنیادی طور پر فنڈز رکھتے ہیںAUM> 2000 کروڑ اور انتہائی مختصر ، کارپوریٹ بانڈ ، کریڈٹ رسک ، کم دورانیے کے ذیلی زمرے میں ہیں۔

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Corporate Bond Fund Growth	₹115.404 ↑ 0.07	₹28,109	1,000	1.4	2.7	7.9	8	8.5	7.21%	4Y 8M 8D	7Y 3M
HDFC Corporate Bond Fund Growth	₹33.288 ↑ 0.02	₹35,700	5,000	1.4	2.8	7.9	8	8.6	7.06%	4Y 2M 1D	4Y 4M 28D
Aditya Birla Sun Life Savings Fund Growth	₹561.484 ↑ 0.25	₹21,521	1,000	1.6	3.5	7.7	7.5	7.9	6.76%	5M 8D	6M 11D
SBI Credit Risk Fund Growth	₹46.7932 ↑ 0.03	₹2,210	5,000	1.6	3.7	8.4	8.3	8.1	8.17%	2Y 2M 26D	3Y 18D
Nippon India Prime Debt Fund Growth	₹61.4906 ↑ 0.03	₹10,042	1,000	1.4	3.1	8.4	8.1	8.4	6.81%	3Y 6M 7D	4Y 7M 20D
Kotak Corporate Bond Fund Standard Growth	₹3,867.56 ↑ 2.03	₹17,612	5,000	1.5	3.2	8.3	7.8	8.3	7.01%	3Y 3M	5Y 1M 6D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Nov 25

Research Highlights & Commentary of 6 Funds showcased

Commentary	Aditya Birla Sun Life Corporate Bond Fund	HDFC Corporate Bond Fund	Aditya Birla Sun Life Savings Fund	SBI Credit Risk Fund	Nippon India Prime Debt Fund	Kotak Corporate Bond Fund Standard
Point 1	Upper mid AUM (₹28,109 Cr).	Highest AUM (₹35,700 Cr).	Upper mid AUM (₹21,521 Cr).	Bottom quartile AUM (₹2,210 Cr).	Bottom quartile AUM (₹10,042 Cr).	Lower mid AUM (₹17,612 Cr).
Point 2	Oldest track record among peers (28 yrs).	Established history (15+ yrs).	Established history (22+ yrs).	Established history (21+ yrs).	Established history (25+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 7.90% (lower mid).	1Y return: 7.88% (bottom quartile).	1Y return: 7.69% (bottom quartile).	1Y return: 8.45% (top quartile).	1Y return: 8.43% (upper mid).	1Y return: 8.32% (upper mid).
Point 6	1M return: 0.58% (upper mid).	1M return: 0.60% (upper mid).	1M return: 0.53% (bottom quartile).	1M return: 0.57% (lower mid).	1M return: 0.62% (top quartile).	1M return: 0.56% (bottom quartile).
Point 7	Sharpe: 0.66 (bottom quartile).	Sharpe: 0.68 (bottom quartile).	Sharpe: 3.66 (top quartile).	Sharpe: 1.72 (upper mid).	Sharpe: 1.00 (lower mid).	Sharpe: 1.05 (upper mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	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): 7.21% (upper mid).	Yield to maturity (debt): 7.06% (upper mid).	Yield to maturity (debt): 6.76% (bottom quartile).	Yield to maturity (debt): 8.17% (top quartile).	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 7.01% (lower mid).
Point 10	Modified duration: 4.69 yrs (bottom quartile).	Modified duration: 4.17 yrs (bottom quartile).	Modified duration: 0.44 yrs (top quartile).	Modified duration: 2.24 yrs (upper mid).	Modified duration: 3.52 yrs (lower mid).	Modified duration: 3.25 yrs (upper mid).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹28,109 Cr).
Oldest track record among peers (28 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.90% (lower mid).
1M return: 0.58% (upper mid).
Sharpe: 0.66 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.21% (upper mid).
Modified duration: 4.69 yrs (bottom quartile).

HDFC Corporate Bond Fund

Highest AUM (₹35,700 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.88% (bottom quartile).
1M return: 0.60% (upper mid).
Sharpe: 0.68 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.06% (upper mid).
Modified duration: 4.17 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Upper mid AUM (₹21,521 Cr).
Established history (22+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.69% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 3.66 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (bottom quartile).
Modified duration: 0.44 yrs (top quartile).

SBI Credit Risk Fund

Bottom quartile AUM (₹2,210 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 8.45% (top quartile).
1M return: 0.57% (lower mid).
Sharpe: 1.72 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.17% (top quartile).
Modified duration: 2.24 yrs (upper mid).

Nippon India Prime Debt Fund

Bottom quartile AUM (₹10,042 Cr).
Established history (25+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.43% (upper mid).
1M return: 0.62% (top quartile).
Sharpe: 1.00 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 3.52 yrs (lower mid).

Kotak Corporate Bond Fund Standard

Lower mid AUM (₹17,612 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.32% (upper mid).
1M return: 0.56% (bottom quartile).
Sharpe: 1.05 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.01% (lower mid).
Modified duration: 3.25 yrs (upper mid).

1. Aditya Birla Sun Life Corporate Bond Fund

(Erstwhile Aditya Birla Sun Life Short Term Fund)

An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities.

Research Highlights for Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹28,109 Cr).
Oldest track record among peers (28 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.90% (lower mid).
1M return: 0.58% (upper mid).
Sharpe: 0.66 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.21% (upper mid).
Modified duration: 4.69 yrs (bottom quartile).
Average maturity: 7.25 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.92% Govt Stock 2039 (~9.0%).

Below is the key information for Aditya Birla Sun Life Corporate Bond Fund

Aditya Birla Sun Life Corporate Bond Fund Growth
Launch Date	3 Mar 97
NAV (06 Nov 25)	₹115.404 ↑ 0.07 (0.06 %)
Net Assets (Cr)	₹28,109 on 31 Aug 25
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	0.66
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.21%
Effective Maturity	7 Years 3 Months
Modified Duration	4 Years 8 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,476
31 Oct 22	₹10,837
31 Oct 23	₹11,598
31 Oct 24	₹12,632
31 Oct 25	₹13,618

Aditya Birla Sun Life Corporate 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 Aditya Birla Sun Life Corporate 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 6 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	2.7%
1 Year	7.9%
3 Year	8%
5 Year	6.4%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.5%
2023	7.3%
2022	4.1%
2021	4%
2020	11.9%
2019	9.6%
2018	7%
2017	6.5%
2016	10.2%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	4.47 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	4.87%
Debt	94.87%
Other	0.26%

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	9%	₹2,708 Cr	267,236,200 ↑ 3,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹2,304 Cr	226,500,000 ↑ 6,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,158 Cr	113,500
6.68% Govt Stock 2040 Sovereign Bonds \| -	3%	₹823 Cr	83,000,000 ↑ 5,500,000
Small Industries Development Bank Of India Debentures \| -	2%	₹748 Cr	74,550
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹598 Cr	57,661,700 ↑ 2,500,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹593 Cr	59,000
Rec Limited Debentures \| -	2%	₹585 Cr	60,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹583 Cr	57,000,000 ↑ 500,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹566 Cr	55,000

2. HDFC Corporate Bond Fund

(Erstwhile HDFC Medium Term Opportunities Fund)

To generate regular income through investments in Debt/ Money Market Instruments and Government Securities with maturities not exceeding 60 months.

Research Highlights for HDFC Corporate Bond Fund

Highest AUM (₹35,700 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.88% (bottom quartile).
1M return: 0.60% (upper mid).
Sharpe: 0.68 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.06% (upper mid).
Modified duration: 4.17 yrs (bottom quartile).
Average maturity: 4.41 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~5.5%).

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (06 Nov 25)	₹33.288 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹35,700 on 31 Aug 25
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	0.68
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.06%
Effective Maturity	4 Years 4 Months 28 Days
Modified Duration	4 Years 2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,472
31 Oct 22	₹10,748
31 Oct 23	₹11,518
31 Oct 24	₹12,529
31 Oct 25	₹13,506

HDFC Corporate 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 HDFC Corporate 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 6 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	2.8%
1 Year	7.9%
3 Year	8%
5 Year	6.2%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.6%
2023	7.2%
2022	3.3%
2021	3.9%
2020	11.8%
2019	10.3%
2018	6.5%
2017	6.5%
2016	10.6%
2015	8.6%

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	9.94 Yr.
Dhruv Muchhal	22 Jun 23	2.28 Yr.

Data below for HDFC Corporate Bond Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	3.19%
Debt	96.53%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	56.04%
Government	38.54%
Cash Equivalent	3.19%
Securitized	1.96%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	5%	₹1,983 Cr	200,000,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	3%	₹1,267 Cr	125,000,000
Bajaj Finance Limited Debentures \| -	3%	₹1,136 Cr	112,500
6.82% Govt Stock 2033 Sovereign Bonds \| -	3%	₹920 Cr	89,000,000
State Bank Of India Debentures \| -	2%	₹799 Cr	800
6.9% Govt Stock 2065 Sovereign Bonds \| -	2%	₹582 Cr	60,000,000
HDFC Bank Limited Debentures \| -	1%	₹517 Cr	50,000
LIC Housing Finance Ltd Debentures \| -	1%	₹510 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	1%	₹510 Cr	50,000
Rural Electrification Corporation Limited Debentures \| -	1%	₹473 Cr	4,500

3. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Research Highlights for Aditya Birla Sun Life Savings Fund

Upper mid AUM (₹21,521 Cr).
Established history (22+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.69% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 3.66 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (bottom quartile).
Modified duration: 0.44 yrs (top quartile).
Average maturity: 0.53 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~45%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.8%).

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (06 Nov 25)	₹561.484 ↑ 0.25 (0.04 %)
Net Assets (Cr)	₹21,521 on 31 Aug 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.66
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.76%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,401
31 Oct 22	₹10,849
31 Oct 23	₹11,626
31 Oct 24	₹12,522
31 Oct 25	₹13,485

Aditya Birla Sun Life Savings 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 Aditya Birla Sun Life 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 6 Nov 25

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.5%
1 Year	7.7%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.29 Yr.
Kaustubh Gupta	15 Jul 11	14.22 Yr.
Monika Gandhi	22 Mar 21	4.53 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	45.26%
Debt	54.49%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	52.07%
Cash Equivalent	32.08%
Government	15.6%

Credit Quality

Rating	Value
AA	30.39%
AAA	69.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹614 Cr	60,000
Nirma Limited Debentures \| -	2%	₹487 Cr	48,500
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹377 Cr	37,500,000
Mankind Pharma Limited Debentures \| -	2%	₹348 Cr	34,500
Bank of Baroda Debentures \| -	2%	₹343 Cr	7,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹341 Cr	3,400
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹299 Cr	30,000
ICICI Home Finance Company Limited Debentures \| -	1%	₹271 Cr	27,000
Bharti Telecom Limited Debentures \| -	1%	₹260 Cr	2,600

4. 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

Bottom quartile AUM (₹2,210 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 8.45% (top quartile).
1M return: 0.57% (lower mid).
Sharpe: 1.72 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.17% (top quartile).
Modified duration: 2.24 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.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~83%).
Largest holding 6.92% Govt Stock 2039 (~6.9%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund Growth
Launch Date	19 Jul 04
NAV (06 Nov 25)	₹46.7932 ↑ 0.03 (0.07 %)
Net Assets (Cr)	₹2,210 on 15 Sep 25
Category	Debt - Credit Risk
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	1.72
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	8.17%
Effective Maturity	3 Years 18 Days
Modified Duration	2 Years 2 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,574
31 Oct 22	₹10,973
31 Oct 23	₹11,868
31 Oct 24	₹12,832
31 Oct 25	₹13,890

SBI Credit Risk 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 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 6 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3.7%
1 Year	8.4%
3 Year	8.3%
5 Year	6.8%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	9.7%

Fund Manager information for SBI Credit Risk Fund

Name	Since	Tenure
Lokesh Mallya	1 Feb 17	8.67 Yr.

Data below for SBI Credit Risk Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	4.89%
Equity	3.09%
Debt	91.65%
Other	0.37%

Debt Sector Allocation

Sector	Value
Corporate	73.41%
Government	18.24%
Cash Equivalent	4.89%

Credit Quality

Rating	Value
A	17.26%
AA	63.98%
AAA	18.76%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	7%	₹152 Cr	15,000,000
Aadhar Housing Finance Limited Debentures \| -	5%	₹113 Cr	11,200
Infopark Properties Limited Debentures \| -	5%	₹106 Cr	10,500
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	5%	₹105 Cr	11,000
H.G. Infra Engineering Limited Debentures \| -	5%	₹100 Cr	10,000
Nj Capital Private Limited Debentures \| -	5%	₹100 Cr	10,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	5%	₹99 Cr	10,000,000 ↑ 10,000,000
Jtpm Metal TRaders Limited Debentures \| -	4%	₹91 Cr	9,000
The Sandur Manganese And Iron Ores Limited Debentures \| -	4%	₹82 Cr	8,500
Avanse Financial Services Limited Debentures \| -	4%	₹80 Cr	8,000

5. Nippon India Prime Debt Fund

(Erstwhile Reliance Medium Term Fund)

The primary investment objective of the Scheme is to generate regular income in order to make regular dividend payments to unit-holders and the secondary objective is growth of capital.

Research Highlights for Nippon India Prime Debt Fund

Bottom quartile AUM (₹10,042 Cr).
Established history (25+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.43% (upper mid).
1M return: 0.62% (top quartile).
Sharpe: 1.00 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 3.52 yrs (lower mid).
Average maturity: 4.64 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~5.2%).

Below is the key information for Nippon India Prime Debt Fund

Nippon India Prime Debt Fund Growth
Launch Date	14 Sep 00
NAV (06 Nov 25)	₹61.4906 ↑ 0.03 (0.05 %)
Net Assets (Cr)	₹10,042 on 31 Aug 25
Category	Debt - Corporate Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.71
Sharpe Ratio	1
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	4 Years 7 Months 20 Days
Modified Duration	3 Years 6 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,518
31 Oct 22	₹10,908
31 Oct 23	₹11,677
31 Oct 24	₹12,703
31 Oct 25	₹13,763

Nippon India Prime 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 Prime 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 6 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	3.1%
1 Year	8.4%
3 Year	8.1%
5 Year	6.6%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.4%
2023	7.1%
2022	4.3%
2021	4.7%
2020	9.5%
2019	7.8%
2018	6.9%
2017	6.6%
2016	9.1%
2015	8.7%

Fund Manager information for Nippon India Prime Debt Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.67 Yr.
Kinjal Desai	25 May 18	7.36 Yr.

Data below for Nippon India Prime Debt Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	3.9%
Debt	95.85%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	51.48%
Government	40.57%
Cash Equivalent	3.9%
Securitized	3.81%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	5%	₹545 Cr	55,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹407 Cr	40,000,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	2%	₹259 Cr	25,000,000 ↓ -3,500,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	2%	₹253 Cr	25,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹224 Cr	22,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹211 Cr	20,500
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹204 Cr	20,000
7.27% State Government Securities Sovereign Bonds \| -	2%	₹202 Cr	20,000,000 ↑ 20,000,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	2%	₹202 Cr	200
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹202 Cr	200

6. Kotak Corporate Bond Fund Standard

The primary objective of the Scheme is to generate income through investment primarily in low duration debt & money market securities. However, there is no assurance that the objective of the scheme will be realized.

Research Highlights for Kotak Corporate Bond Fund Standard

Lower mid AUM (₹17,612 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.32% (upper mid).
1M return: 0.56% (bottom quartile).
Sharpe: 1.05 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.01% (lower mid).
Modified duration: 3.25 yrs (upper mid).
Average maturity: 5.10 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2033 (~8.5%).

Below is the key information for Kotak Corporate Bond Fund Standard

Kotak Corporate Bond Fund Standard Growth
Launch Date	21 Sep 07
NAV (06 Nov 25)	₹3,867.56 ↑ 2.03 (0.05 %)
Net Assets (Cr)	₹17,612 on 31 Aug 25
Category	Debt - Corporate Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.67
Sharpe Ratio	1.05
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.01%
Effective Maturity	5 Years 1 Month 6 Days
Modified Duration	3 Years 3 Months

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,455
31 Oct 22	₹10,767
31 Oct 23	₹11,479
31 Oct 24	₹12,464
31 Oct 25	₹13,492

Kotak Corporate Bond Fund Standard 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 Corporate Bond Fund Standard

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	1.5%
6 Month	3.2%
1 Year	8.3%
3 Year	7.8%
5 Year	6.2%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.3%
2023	6.9%
2022	3.7%
2021	3.8%
2020	9.7%
2019	9.6%
2018	7.5%
2017	6.9%
2016	9.4%
2015	8.8%

Fund Manager information for Kotak Corporate Bond Fund Standard

Name	Since	Tenure
Deepak Agrawal	1 Feb 15	10.67 Yr.
Manu Sharma	1 Nov 22	2.92 Yr.

Data below for Kotak Corporate Bond Fund Standard as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	2.93%
Debt	96.81%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	59.67%
Government	35.27%
Cash Equivalent	2.93%
Securitized	1.87%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	8%	₹1,582 Cr	151,935,080
7.09% Govt Stock 2054 Sovereign Bonds \| -	4%	₹783 Cr	78,100,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹637 Cr	62,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹594 Cr	58,500
6.99% Govt Stock 2034 Sovereign Bonds \| -	3%	₹499 Cr	49,000,000
Bajaj Finance Limited Debentures \| -	2%	₹445 Cr	43,500
6.68% Govt Stock 2040 Sovereign Bonds \| -	2%	₹411 Cr	41,500,000 ↑ 14,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹357 Cr	35,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹356 Cr	35,000 ↑ 30,000
Power Finance Corporation Limited Debentures \| -	2%	₹356 Cr	35,000

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