Investment Objective The investment objective of the scheme is to generate optimal returns with adequate liquidity through active management of the portfolio, by investing in debt and money market instruments across duration. However, there can be no assurance that the investment objective of the scheme will be realized. The Scheme does not guarantee / indicate any returns.
Inception Date	16th June, 2010
Fund Manager	Mr. Sudhir Agarwal (MCom, PGDBA(Finance), CFA)
Fund AUM	Fund size monthly average : 308.69 Crore Closing AUM : 329.23 Crore
High/Low NAV in the month	High Growth Option : 23.4320 Low Growth Option : 23.3755
Total expense ratio (%)	Regular : 1.61 Direct : 1.15
Minimum Investment Amount	Minimum initial investment under Growth option is Rs.500/- and in multiples of Re.1/-. & under IDCW option is Rs. 20,000/- and in multiples of Re.1/-
Plans/Options (Regular / Direct)	Growth option IDCW option with Payout and Reinvestment Qtly/Half Yearly/Annual/Flexi IDCW with Payout and Reinvestment
No. of Unit Holding Accounts	5,855
Portfolio Parameters	Weighted Average Maturity : 4.13 yrs Yield to Maturity : 3.96% Modified Duration : 1.93 yrs Macaulay Duration : 2.00 yrs PMAT : 4.13 yrs PYLD : 3.96% PMD : 1.93 yrs PMCD : 2.00 yrs
Load Structure
NAV per unit as on 30th November, 2021	Regular Growth Option 23.4202 Regular IDCW Option 12.4134 Direct Growth Option 24.7563 Direct IDCW Option 12.9252
Segregated AUM & NAV	Segregated Fund Size Monthly Average - 17022020 : 6.61 Crore Closing AUM: 6.73 Crore (Segregated NAV per unit as on 30th November, 2021 -17022020) : Growth : 0.32
Benchmark Index	CRISIL Dynamic Debt Index Benchmark change w.e.f December 1, 2021.
SIP/SWP/STRIP
Fund Size	308.69 Crore (Monthly Average as on 30/11/2021)

The scheme IDCW details under regular plan.
Disclaimer: Pursuant to payment of Dividend/Bonus, the Nav of the income distribution cum capital withdrawal options of the schemes would fall to the extent of payout and statutory levy (if applicable)

	Portfolio	% of Nav	Rating
	Govt Securities
	182 D TBILL MAT - 09/12/21	22.76	SOV
	6.10% GSEC MAT-12/07/2031	13.44	SOV
	GOI FRB - MAT 22/09/2033	12.27	SOV
	182D T BILL MAT 02/12/2021	7.59	SOV
	6.67% GS MAT - 15/12/2035	1.51	SOV
	NCDs
	Jorabat Shillong Expressway Ltd. ~	13.52	IND D
	Piramal Capital & Housing Finance Ltd	3.09	ICRA AA
	Punjab National Bank	3.07	CRISIL AA+
	Food Corporation Of India	3.07	CRISIL AAA(CE)
	U P Power Corporation Ltd	0.01	IND AA(CE)
	Net Current assets	19.67
	Total	100.00

Top 10 scrips in the portfolio
~Backed by Annuity from National Highway Authority of India - NHAI

Different plans have a different expense structure. The performance details provided herein are of regular plan.
*Compounded annualized Growth Rate.
For performance details of other Schemes managed by the Fund Manager, please refer the respective Scheme sheets as listed Please click here in ‘Fund Manager Summary’. Schemes Managed by Mr. Sudhir Agarwal.*The Scheme returns are inclusive of the impact of segregation of the portfolio Debt instruments of Vodafone Idea Ltd. have been segregated from the Main Portfolio on Feb 17, 2020. *Benchmark change w.e.f December 1, 2021.

Note: Systematic Investment Plan (SIP) returns are worked out assuming investment of 10,000/- every month at NAV per unit of the scheme as on the first working day for the respective time periods. The loads have not been taken into account. Past performance may or may not be sustained in future. *Benchmark change w.e.f December 1, 2021.