آپ کی اکٹھا سرمایہ کاری کیلئے قرض باہمی فنڈز

Updated on May 11, 2026 , 2703 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 Savings Fund Growth	₹577.782 ↑ 0.03	₹19,348	1,000	1.4	2.8	6.4	7.3	7.4	7.45%	5M 26D	7M 2D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹116.685 ↓ -0.02	₹25,105	1,000	0.3	0.9	3.7	6.9	7.4	7.64%	4Y 1M 17D	7Y
HDFC Corporate Bond Fund Growth	₹33.5943 ↓ -0.01	₹31,029	5,000	0.2	0.8	3.6	6.8	7.3	7.65%	4Y 2M 23D	7Y 4M 10D
SBI Credit Risk Fund Growth	₹48.0731 ↓ -0.01	₹2,139	5,000	1.2	2.6	6.4	7.4	7.9	8.72%	1Y 7M 24D	2Y 7D
ICICI Prudential Savings Fund Growth	₹572.859 ↑ 0.01	₹26,665	500	1.2	2.6	6.3	7.4	7.7	7.57%	10M 28D	1Y 3M 18D
UTI Treasury Advantage Fund Growth	₹3,733.16 ↓ -0.16	₹2,246	10,000	1.2	2.6	6.2	7.2	7.5	6.85%	9M 7D	11M 8D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 May 26

Research Highlights & Commentary of 6 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	Aditya Birla Sun Life Corporate Bond Fund	HDFC Corporate Bond Fund	SBI Credit Risk Fund	ICICI Prudential Savings Fund	UTI Treasury Advantage Fund
Point 1	Lower mid AUM (₹19,348 Cr).	Upper mid AUM (₹25,105 Cr).	Highest AUM (₹31,029 Cr).	Bottom quartile AUM (₹2,139 Cr).	Upper mid AUM (₹26,665 Cr).	Bottom quartile AUM (₹2,246 Cr).
Point 2	Established history (23+ yrs).	Oldest track record among peers (29 yrs).	Established history (15+ yrs).	Established history (21+ yrs).	Established history (23+ yrs).	Established history (19+ 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: 6.39% (upper mid).	1Y return: 3.69% (bottom quartile).	1Y return: 3.64% (bottom quartile).	1Y return: 6.40% (top quartile).	1Y return: 6.32% (upper mid).	1Y return: 6.15% (lower mid).
Point 6	1M return: 0.41% (top quartile).	1M return: 0.05% (bottom quartile).	1M return: 0.08% (bottom quartile).	1M return: 0.26% (lower mid).	1M return: 0.31% (upper mid).	1M return: 0.33% (upper mid).
Point 7	Sharpe: 1.95 (top quartile).	Sharpe: -0.42 (bottom quartile).	Sharpe: -0.44 (bottom quartile).	Sharpe: 0.99 (lower mid).	Sharpe: 1.69 (upper mid).	Sharpe: 1.25 (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): 7.45% (bottom quartile).	Yield to maturity (debt): 7.64% (upper mid).	Yield to maturity (debt): 7.65% (upper mid).	Yield to maturity (debt): 8.72% (top quartile).	Yield to maturity (debt): 7.57% (lower mid).	Yield to maturity (debt): 6.85% (bottom quartile).
Point 10	Modified duration: 0.49 yrs (top quartile).	Modified duration: 4.13 yrs (bottom quartile).	Modified duration: 4.23 yrs (bottom quartile).	Modified duration: 1.65 yrs (lower mid).	Modified duration: 0.91 yrs (upper mid).	Modified duration: 0.77 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹19,348 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.39% (upper mid).
1M return: 0.41% (top quartile).
Sharpe: 1.95 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.45% (bottom quartile).
Modified duration: 0.49 yrs (top quartile).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹25,105 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 3.69% (bottom quartile).
1M return: 0.05% (bottom quartile).
Sharpe: -0.42 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.64% (upper mid).
Modified duration: 4.13 yrs (bottom quartile).

HDFC Corporate Bond Fund

Highest AUM (₹31,029 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 3.64% (bottom quartile).
1M return: 0.08% (bottom quartile).
Sharpe: -0.44 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.65% (upper mid).
Modified duration: 4.23 yrs (bottom quartile).

SBI Credit Risk Fund

Bottom quartile AUM (₹2,139 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 6.40% (top quartile).
1M return: 0.26% (lower mid).
Sharpe: 0.99 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.72% (top quartile).
Modified duration: 1.65 yrs (lower mid).

ICICI Prudential Savings Fund

Upper mid AUM (₹26,665 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.32% (upper mid).
1M return: 0.31% (upper mid).
Sharpe: 1.69 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.57% (lower mid).
Modified duration: 0.91 yrs (upper mid).

UTI Treasury Advantage Fund

Bottom quartile AUM (₹2,246 Cr).
Established history (19+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.15% (lower mid).
1M return: 0.33% (upper mid).
Sharpe: 1.25 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.85% (bottom quartile).
Modified duration: 0.77 yrs (upper mid).

1. 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

Lower mid AUM (₹19,348 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.39% (upper mid).
1M return: 0.41% (top quartile).
Sharpe: 1.95 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.45% (bottom quartile).
Modified duration: 0.49 yrs (top quartile).
Average maturity: 0.59 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~75%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.9%).

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 (13 May 26)	₹577.782 ↑ 0.03 (0.01 %)
Net Assets (Cr)	₹19,348 on 31 Mar 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	1.95
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.45%
Effective Maturity	7 Months 2 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,405
30 Apr 23	₹10,999
30 Apr 24	₹11,825
30 Apr 25	₹12,766
30 Apr 26	₹13,590

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 13 May 26

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	2.8%
1 Year	6.4%
3 Year	7.3%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.9%
2022	7.2%
2021	4.8%
2020	3.9%
2019	7%
2018	8.5%
2017	7.6%
2016	7.2%
2015	9.2%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.87 Yr.
Kaustubh Gupta	15 Jul 11	14.81 Yr.
Monika Gandhi	22 Mar 21	5.11 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	24.58%
Debt	75.09%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	70.67%
Government	20.54%
Cash Equivalent	8.45%

Credit Quality

Rating	Value
AA	31.99%
AAA	68.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹980 Cr	100,000,000 ↑ 100,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹743 Cr	15,800
Shriram Finance Limited Debentures \| -	3%	₹609 Cr	60,000
HDFC Bank Ltd. Debentures \| -	3%	₹536 Cr	11,000 ↑ 11,000
Bharti Telecom Limited Debentures \| -	2%	₹396 Cr	40,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹388 Cr	39,000
Muthoot Finance Limited Debentures \| -	2%	₹349 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹328 Cr	32,500 ↑ 25,000
Mankind Pharma Limited Debentures \| -	2%	₹321 Cr	32,000
Avanse Financial Services Limited Debentures \| -	2%	₹300 Cr	30,000

2. 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 (₹25,105 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 3.69% (bottom quartile).
1M return: 0.05% (bottom quartile).
Sharpe: -0.42 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.64% (upper mid).
Modified duration: 4.13 yrs (bottom quartile).
Average maturity: 7.00 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~6.6%).

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 (13 May 26)	₹116.685 ↓ -0.02 (-0.02 %)
Net Assets (Cr)	₹25,105 on 31 Mar 26
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	-0.42
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.64%
Effective Maturity	7 Years
Modified Duration	4 Years 1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,400
30 Apr 23	₹10,985
30 Apr 24	₹11,775
30 Apr 25	₹12,965
30 Apr 26	₹13,454

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 13 May 26

Duration	Returns
1 Month	0%
3 Month	0.3%
6 Month	0.9%
1 Year	3.7%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	8.5%
2022	7.3%
2021	4.1%
2020	4%
2019	11.9%
2018	9.6%
2017	7%
2016	6.5%
2015	10.2%

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	5.05 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	2.82%
Debt	96.85%
Other	0.34%

Debt Sector Allocation

Sector	Value
Corporate	57.89%
Government	38.96%
Cash Equivalent	2.82%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	7%	₹1,650 Cr	175,000,000 ↑ 500,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹1,378 Cr	138,500 ↓ -5,000
6.48% Govt Stock 2035 Sovereign Bonds \| -	5%	₹1,305 Cr	135,535,600 ↑ 72,500,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	4%	₹925 Cr	96,500,000 ↑ 4,500,000
Bharti Telecom Limited Debentures \| -	2%	₹575 Cr	58,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹574 Cr	59,000
Bharti Telecom Limited Debentures \| -	2%	₹505 Cr	50,900
Bajaj Housing Finance Limited Debentures \| -	2%	₹497 Cr	50,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹425 Cr	42,500 ↓ -5,000
Summit Digitel Infrastructure Limited Debentures \| -	2%	₹398 Cr	4,000 ↑ 2,900

3. 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 (₹31,029 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 3.64% (bottom quartile).
1M return: 0.08% (bottom quartile).
Sharpe: -0.44 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.65% (upper mid).
Modified duration: 4.23 yrs (bottom quartile).
Average maturity: 7.36 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~6.5%).

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (13 May 26)	₹33.5943 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹31,029 on 31 Mar 26
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	-0.44
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.65%
Effective Maturity	7 Years 4 Months 10 Days
Modified Duration	4 Years 2 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,365
30 Apr 23	₹10,930
30 Apr 24	₹11,723
30 Apr 25	₹12,873
30 Apr 26	₹13,351

HDFC Corporate Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 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 13 May 26

Duration	Returns
1 Month	0.1%
3 Month	0.2%
6 Month	0.8%
1 Year	3.6%
3 Year	6.8%
5 Year	5.9%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	8.6%
2022	7.2%
2021	3.3%
2020	3.9%
2019	11.8%
2018	10.3%
2017	6.5%
2016	6.5%
2015	10.6%

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	10.52 Yr.
Dhruv Muchhal	22 Jun 23	2.86 Yr.

Data below for HDFC Corporate Bond Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	3.95%
Debt	95.73%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	58.77%
Government	37.16%
Cash Equivalent	3.75%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	7%	₹2,098 Cr	220,000,000 ↓ -5,000,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	4%	₹1,144 Cr	125,000,000
Bajaj Finance Limited Debentures \| -	3%	₹1,082 Cr	110,000
6.75% Govt Stock 2033 Sovereign Bonds \| -	3%	₹832 Cr	80,000,000
State Bank Of India Debentures \| -	2%	₹772 Cr	775
HDFC Bank Limited Debentures \| -	2%	₹503 Cr	50,000
LIC Housing Finance Ltd Debentures \| -	2%	₹502 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	2%	₹501 Cr	50,000
Rural Electrification Corporation Limited Debentures \| -	1%	₹463 Cr	4,500
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	1%	₹422 Cr	425

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 (₹2,139 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 6.40% (top quartile).
1M return: 0.26% (lower mid).
Sharpe: 0.99 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.72% (top quartile).
Modified duration: 1.65 yrs (lower mid).
Average maturity: 2.02 yrs (lower 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 ~86%).
Largest holding 7.02% Govt Stock 2031 (~7.1%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund Growth
Launch Date	19 Jul 04
NAV (13 May 26)	₹48.0731 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹2,139 on 31 Mar 26
Category	Debt - Credit Risk
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	0.99
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	8.72%
Effective Maturity	2 Years 7 Days
Modified Duration	1 Year 7 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,484
30 Apr 23	₹11,218
30 Apr 24	₹11,972
30 Apr 25	₹13,082
30 Apr 26	₹13,901

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 13 May 26

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	2.6%
1 Year	6.4%
3 Year	7.4%
5 Year	6.8%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	8.1%
2022	8.3%
2021	4.2%
2020	5%
2019	9.8%
2018	6.5%
2017	6.2%
2016	6.9%
2015	10.5%

Fund Manager information for SBI Credit Risk Fund

Name	Since	Tenure
Lokesh Mallya	1 Feb 17	9.25 Yr.

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

Asset Allocation

Asset Class	Value
Cash	8.83%
Equity	4.61%
Debt	83.14%
Other	3.42%

Debt Sector Allocation

Sector	Value
Corporate	63.21%
Government	22.13%
Cash Equivalent	6.63%

Credit Quality

Rating	Value
A	14.1%
AA	64.72%
AAA	21.17%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.02% Govt Stock 2031 Sovereign Bonds \| -	7%	₹152 Cr	15,000,000
Infopark Properties Limited Debentures \| -	5%	₹105 Cr	10,500
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	5%	₹101 Cr	11,000
H.G. Infra Engineering Limited Debentures \| -	5%	₹99 Cr	10,000
Nj Capital Private Limited Debentures \| -	5%	₹99 Cr	10,000
Jtpm Metal TRaders Limited Debentures \| -	4%	₹94 Cr	9,000
Renserv Global Private Limited Debentures \| -	4%	₹80 Cr	8,000
Avanse Financial Services Limited Debentures \| -	4%	₹80 Cr	8,000
Aditya Birla Renewables Limited Debentures \| -	4%	₹75 Cr	7,500
Motilal Oswal Home Finance Limited Debentures \| -	4%	₹75 Cr	7,500

5. ICICI Prudential Savings Fund

(Erstwhile ICICI Prudential Flexible Income Plan)

To generate income through investments in a range of debt instruments 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 Savings Fund

Upper mid AUM (₹26,665 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.32% (upper mid).
1M return: 0.31% (upper mid).
Sharpe: 1.69 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.57% (lower mid).
Modified duration: 0.91 yrs (upper mid).
Average maturity: 1.30 yrs (upper mid).
Exit load: NIL.
Top sector: Basic Materials.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~68%).
High-quality debt (AAA/AA ~100%).
Largest holding RADHAKRISHNA SECURITISATION TRUST (~3.2%).

Below is the key information for ICICI Prudential Savings Fund

ICICI Prudential Savings Fund Growth
Launch Date	27 Sep 02
NAV (13 May 26)	₹572.859 ↑ 0.01 (0.00 %)
Net Assets (Cr)	₹26,665 on 31 Mar 26
Category	Debt - Low Duration
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.53
Sharpe Ratio	1.69
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.57%
Effective Maturity	1 Year 3 Months 18 Days
Modified Duration	10 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,396
30 Apr 23	₹11,024
30 Apr 24	₹11,893
30 Apr 25	₹12,866
30 Apr 26	₹13,692

ICICI Prudential 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 ICICI Prudential 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 13 May 26

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	2.6%
1 Year	6.3%
3 Year	7.4%
5 Year	6.5%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	8%
2022	7.6%
2021	4.5%
2020	3.8%
2019	8.6%
2018	8.8%
2017	7.3%
2016	7.1%
2015	9.1%

Fund Manager information for ICICI Prudential Savings Fund

Name	Since	Tenure
Nikhil Kabra	13 Sep 24	1.63 Yr.
Darshil Dedhia	12 Jun 23	2.89 Yr.

Data below for ICICI Prudential Savings Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	67.94%
Debt	31.74%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	73.08%
Cash Equivalent	34.93%

Credit Quality

Rating	Value
AA	14.64%
AAA	85.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	3%	₹858 Cr	875
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹651 Cr	65,000
6.52% Govt Stock 2031 Sovereign Bonds \| -	2%	₹622 Cr	60,500,000
7.33% Karnataka Sgs 2033 Sovereign Bonds \| -	2%	₹494 Cr	50,000,000
Bank of India Ltd. Debentures \| -	2%	₹470 Cr	10,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹420 Cr	42,500
Piramal Finance Limited Debentures \| -	1%	₹376 Cr	37,500
6.75% Govt Stock 2033 Sovereign Bonds \| -	1%	₹360 Cr	34,589,920
7.17% Gujarat Sgs 2032 Sovereign Bonds \| -	1%	₹353 Cr	35,734,200
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹305 Cr	30,500

6. UTI Treasury Advantage Fund

The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations.

Research Highlights for UTI Treasury Advantage Fund

Bottom quartile AUM (₹2,246 Cr).
Established history (19+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.15% (lower mid).
1M return: 0.33% (upper mid).
Sharpe: 1.25 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.85% (bottom quartile).
Modified duration: 0.77 yrs (upper mid).
Average maturity: 0.94 yrs (upper mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~72%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~6.5%).

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund Growth
Launch Date	23 Apr 07
NAV (13 May 26)	₹3,733.16 ↓ -0.16 (0.00 %)
Net Assets (Cr)	₹2,246 on 31 Mar 26
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.45
Sharpe Ratio	1.25
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.85%
Effective Maturity	11 Months 8 Days
Modified Duration	9 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,899
30 Apr 23	₹11,519
30 Apr 24	₹12,347
30 Apr 25	₹13,358
30 Apr 26	₹14,187

UTI Treasury Advantage 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 UTI Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	2.6%
1 Year	6.2%
3 Year	7.2%
5 Year	7.3%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	7.7%
2022	7.1%
2021	4.5%
2020	9%
2019	7.3%
2018	-4.2%
2017	7.3%
2016	7%
2015	8.9%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.41 Yr.

Data below for UTI Treasury Advantage Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	28.11%
Debt	71.58%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	72.53%
Government	15.07%
Cash Equivalent	12.09%

Credit Quality

Rating	Value
AA	13.42%
AAA	86.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹201 Cr	20,000 ↑ 10,000
Tbill Sovereign Bonds \| -	6%	₹193 Cr	2,000,000,000 ↑ 2,000,000,000
Rec Limited Debentures \| -	5%	₹140 Cr	14,000 ↑ 9,000
Embassy Office Parks Reit Debentures \| -	4%	₹120 Cr	1,200
Mahindra Rural Housing Finance Limited Debentures \| -	3%	₹101 Cr	10,000 ↑ 10,000
Jamnagar Utilities & Power Private Limited Debentures \| -	3%	₹100 Cr	1,000
Embassy Office Parks Reit Debentures \| -	3%	₹90 Cr	900
Poonawalla Fincorp Limited Debentures \| -	2%	₹75 Cr	7,500
Indigrid Infrastructure Trust Debentures \| -	2%	₹55 Cr	550
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹54 Cr	55

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