Investment Objective The investment objective of the scheme is to generate reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks, Public Sector Undertakings (PSUs), Public Financial Institutions (PFIs) and Municipal Bonds. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
Inception Date	27th January, 2014
Fund Manager	Mr. Anurag Mittal, Deputy Head- Fixed Income & Fund Manager: C.A., Msc in Accounting & Finance, London School of Economics, UK
Fund AUM	Fund size monthly average : 271.01 Crore Closing AUM : 289.08 Crore
High/Low NAV in the month	High Growth Option : 16.5287 Low Growth Option : 16.4770
Total expense ratio (%)	Regular : 0.31 Direct : 0.17
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)	IDCW option & Growth option Mthly/Qtly/HalfYearly/Annual/Flexi Payout & Reinvestment IDCW Option
No. of Unit Holding Accounts	3,755
Portfolio Parameters	Weighted Average Maturity : 1.48 Yrs Yield to Maturity : 4.05% Modified Duration :1.02 Yrs Macaulay Duration : 1.05 Yrs PMAT : 1.48 Yrs PYLD : 4.05% PMD : 1.02 Yrs PMCD : 1.05 Yrs
Load Structure	Entry Load : Nil Exit Load : Nil
NAV per unit as on 30th Noovember, 2021	Regular Growth Option 16.5287 Regular IDCW Option 11.8494 Direct Growth Option 16.6547 Direct IDCW Option 11.9145
Benchmark Index	CRISIL Banking and PSU Debt Index
SIP/SWP/STRIP
Fund Size	271.01 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
	CP / CDs
	National  Bank For Agriculture & Rural Development	5.15	IND A1+
	EXIM Bank	1.73	CRISIL A1+
	Govt Securities
	6.10% GSEC MAT-12/07/2031.	8.51	SOV
	GOI FRB - MAT 22/09/2033	1.75	SOV
	Long Term Debt
	Power Finance Corporation Ltd.	8.79	CRISIL AAA
	Food Corporation Of India	7.03	CRISIL AAA(CE)
	NHPC Ltd.	6.99	ICRA AAA
	REC Ltd	6.93	CRISIL AAA
	National Highways Authority Of India	5.20	CRISIL AAA
	Oil & Natural Gas Corporation Ltd.	5.13	ICRA AAA
	Housing And Urban Development Corpn	4.41	ICRA AAA
	Hindustan Petroleum Corporation Ltd.	3.54	CRISIL AAA
	National  Bank For Agriculture & Rural Development	3.53	ICRA AAA
	Small Indst. Dev. Bank Of India	3.52	CARE AAA
	Jorabat Shillong Expressway Ltd. ~	1.77	IND D
	National Housing Bank	1.75	CRISIL AAA
	Indian Oil Corporation Ltd.	1.74	CRISIL AAA
	Net Current assets	22.53
	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 in Please click here in ‘Fund Manager Summary’. Schemes Managed by Mr. Sudhir Agrawal.

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.