Bajaj Finserv ELSS Tax Saver Fund - Regular Plan - Growth Portfolio

Equity Holding : 93.61% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 93.61%

No of Stocks : 68 (Category Avg - 54.36) | Large Cap Investments : 36.76%| Mid Cap Investments : 13.94% | Small Cap Investments : 18.35% | Other : 24.56%

Portfolio Summary (as on 31st Aug,2025)

Particulars	This Scheme	Category
No. of Stocks	68	54
Top 5 Stock Weight	18.77%	27.17%
Top 10 Stock Weight	30.74%	43.21%
Top 3 Sector Weight	23.59%	31.71%

Category - ELSS

Particulars	This Scheme	Category
Average mcap (Cr)	91256.99	92009.19
Holdings in large cap stocks	36.76%	38.95%
Holdings in mid cap stocks	13.94%	11.76%
Holdings in small cap stocks	18.35%	17.18%

Category - ELSS

Top 10 Stocks holding in Portfolio (as on 31st Aug,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
HDFC Bank Ltd.	Private sector bank	37	5.97%	-0.02%	7.05% (Apr 2025)	0% (Sep 2024)	38.90 k	20.79 k
Infosys Ltd.	Computers - software & consulting	22.9	3.70%	-0.16%	4.56% (Feb 2025)	0% (Sep 2024)	15.61 k	0.00
Reliance Industries Ltd.	Refineries & marketing	22.2	3.59%	-0.40%	6.22% (May 2025)	0% (Sep 2024)	16.37 k	-1.12 k
ICICI Bank Ltd.	Private sector bank	18.3	2.96%	-0.22%	3.99% (Mar 2025)	0% (Sep 2024)	13.10 k	0.00
Larsen & Toubro Ltd.	Civil construction	15.8	2.55%	1.67%	2.55% (Aug 2025)	0% (Sep 2024)	4.38 k	2.90 k
Eternal Ltd.	E-retail/ e-commerce	15.4	2.48%	1.52%	2.48% (Aug 2025)	0% (Sep 2024)	48.93 k	29.93 k
Divis Laboratories Ltd.	Pharmaceuticals	15.1	2.43%	0.40%	2.5% (Apr 2025)	0% (Sep 2024)	2.46 k	587.00
State Bank Of India	Public sector bank	14.8	2.38%	-0.02%	2.4% (Jul 2025)	0% (Sep 2024)	18.39 k	0.00
Maruti Suzuki India Ltd.	Passenger cars & utility vehicles	14.5	2.34%	0.31%	2.34% (Aug 2025)	0% (Sep 2024)	982.00	0.00
Bharat Electronics Ltd.	Aerospace & defense	14.5	2.34%	-0.12%	2.73% (Jun 2025)	0% (Sep 2024)	39.20 k	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

View complete holding

Complete equity Portfolio (as on 31st Aug,2025)

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Sector
M-Cap

Help me understand this table

Stock Invested in	Sector	Sector Total	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty	M-Cap	GroupName
HDFC Bank Ltd.	Private sector bank	11.41	37	5.97%	-0.02%	7.05% (Apr 2025)	0% (Sep 2024)	38.90 k	20.79 k	Other	24.56
Infosys Ltd.	Computers - software & consulting	4.53	22.9	3.70%	-0.16%	4.56% (Feb 2025)	0% (Sep 2024)	15.61 k	0.00	Large Cap	36.76
Reliance Industries Ltd.	Refineries & marketing	3.59	22.2	3.59%	-0.40%	6.22% (May 2025)	0% (Sep 2024)	16.37 k	-1.12 k	Large Cap	36.76
ICICI Bank Ltd.	Private sector bank	11.41	18.3	2.96%	-0.22%	3.99% (Mar 2025)	0% (Sep 2024)	13.10 k	0.00	Large Cap	36.76
Larsen & Toubro Ltd.	Civil construction	2.55	15.8	2.55%	1.67%	2.55% (Aug 2025)	0% (Sep 2024)	4.38 k	2.90 k	Large Cap	36.76
Eternal Ltd.	E-retail/ e-commerce	4.46	15.4	2.48%	1.52%	2.48% (Aug 2025)	0% (Sep 2024)	48.93 k	29.93 k	Other	24.56
Divis Laboratories Ltd.	Pharmaceuticals	7.53	15.1	2.43%	0.40%	2.5% (Apr 2025)	0% (Sep 2024)	2.46 k	587.00	Large Cap	36.76
State Bank Of India	Public sector bank	2.38	14.8	2.38%	-0.02%	2.4% (Jul 2025)	0% (Sep 2024)	18.39 k	0.00	Large Cap	36.76
Maruti Suzuki India Ltd.	Passenger cars & utility vehicles	4.65	14.5	2.34%	0.31%	2.34% (Aug 2025)	0% (Sep 2024)	982.00	0.00	Large Cap	36.76
Bharat Electronics Ltd.	Aerospace & defense	2.34	14.5	2.34%	-0.12%	2.73% (Jun 2025)	0% (Sep 2024)	39.20 k	0.00	Mid Cap	13.94
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	4.65	14.3	2.31%	-0.04%	2.35% (Jul 2025)	0% (Sep 2024)	4.48 k	0.00	Large Cap	36.76
Siemens Energy India Ltd.	Power generation	2.13	13.2	2.13%	0.87%	2.13% (Aug 2025)	0% (Sep 2024)	3.90 k	1.53 k	Other	24.56
Kotak Mahindra Bank Ltd.	Private sector bank	11.41	12.6	2.03%	0.47%	2.15% (Apr 2025)	0% (Sep 2024)	6.40 k	1.60 k	Large Cap	36.76
WABCO India Ltd.	Auto components & equipments	3	12.5	2.02%	1.00%	2.02% (Aug 2025)	0% (Sep 2024)	888.00	417.00	Mid Cap	13.94
Ultratech Cement Ltd.	Cement & cement products	4.57	12.5	2.01%	-0.72%	3.62% (Feb 2025)	0% (Sep 2024)	987.00	-0.37 k	Large Cap	36.76
Swiggy Ltd.	E-retail/ e-commerce	4.46	12.3	1.98%	-0.01%	1.99% (Jul 2025)	0% (Sep 2024)	30.00 k	0.00	Other	24.56
Kajaria Ceramics Ltd.	Ceramics	1.98	12.3	1.98%	0.42%	1.98% (Aug 2025)	0% (Sep 2024)	10.14 k	2.05 k	Small Cap	18.35
Hindustan Unilever Ltd.	Diversified fmcg	1.8	11.2	1.80%	0.40%	2.44% (Feb 2025)	0% (Sep 2024)	4.20 k	823.00	Large Cap	36.76
Bajaj Finserv Ltd	Holding company	1.8	11.1	1.80%	-0.06%	2.3% (Apr 2025)	0% (Sep 2024)	5.82 k	0.00	Other	24.56
Nestle India Ltd.	Packaged foods	1.77	11	1.77%	0.41%	1.87% (Mar 2025)	0% (Sep 2024)	9.50 k	5.82 k	Other	24.56
Cummins India Ltd.	Compressors, pumps & diesel engines	1.73	10.7	1.73%	0.10%	1.73% (Aug 2025)	0% (Sep 2024)	2.80 k	0.00	Mid Cap	13.94
Oracle Financial Services Software Limited	Software products	1.71	10.6	1.71%	-0.06%	1.89% (Jun 2025)	0% (Sep 2024)	1.28 k	0.00	Mid Cap	13.94
Marico Ltd.	Personal care	1.55	9.6	1.55%	0.01%	1.9% (Apr 2025)	0% (Sep 2024)	13.24 k	0.00	Large Cap	36.76
Star Cement Ltd.	Cement & cement products	4.57	9.6	1.54%	0.22%	1.54% (Aug 2025)	0% (Sep 2024)	33.55 k	0.00	Small Cap	18.35
Sun Pharmaceutical Industries Ltd.	Pharmaceuticals	7.53	9	1.46%	-0.12%	2.72% (Feb 2025)	0% (Sep 2024)	5.66 k	0.00	Large Cap	36.76
Brigade Enterprises Ltd.	Residential, commercial projects	2.38	9	1.45%	-0.15%	1.78% (Jun 2025)	0% (Sep 2024)	9.71 k	0.00	Small Cap	18.35
Tata Steel Ltd.	Iron & steel products	2.31	8.1	1.31%	0.25%	1.31% (Aug 2025)	0% (Sep 2024)	52.72 k	11.77 k	Other	24.56
United Spirits Ltd.	Breweries & distilleries	1.9	8	1.28%	-0.05%	2.13% (May 2025)	0% (Sep 2024)	6.07 k	0.00	Large Cap	36.76
K.P.R. Mill Ltd.	Other textile products	1.84	7.7	1.24%	-0.22%	1.47% (Jun 2025)	0% (Sep 2024)	7.82 k	0.00	Other	24.56
CreditAccess Grameen Ltd.	Microfinance institutions	1.2	7.4	1.20%	0.12%	1.2% (Aug 2025)	0% (Sep 2024)	5.29 k	0.00	Small Cap	18.35
GlaxoSmithKline Pharmaceuticals Ltd.	Pharmaceuticals	7.53	6.9	1.11%	0.08%	1.44% (Feb 2025)	0% (Sep 2024)	2.46 k	475.00	Mid Cap	13.94
Aptus Value Housing Finance India Ltd.	Housing finance company	1.84	6.7	1.08%	-0.05%	1.13% (Jul 2025)	0% (Sep 2024)	21.12 k	0.00	Other	24.56
J K Lakshmi Cement Ltd.	Cement & cement products	4.57	6.3	1.02%	-0.07%	1.09% (Jul 2025)	0% (Sep 2024)	6.86 k	0.00	Small Cap	18.35
Affle India Ltd.	It enabled services	1.01	6.3	1.01%	0.12%	1.01% (Aug 2025)	0% (Sep 2024)	3.28 k	501.00	Other	24.56
Time Technoplast Ltd.	Plastic products - industrial	1.4	6.2	1.00%	-0.04%	1.04% (Jul 2025)	0% (Sep 2024)	13.62 k	0.00	Small Cap	18.35
Jindal Stainless Ltd.	Iron & steel products	2.31	6.2	1.00%	0.25%	1% (Aug 2025)	0% (Sep 2024)	8.11 k	1.49 k	Small Cap	18.35
HDFC Life Insurance Company Ltd.	Life insurance	1.48	6.2	0.99%	0.63%	0.99% (Aug 2025)	0% (Sep 2024)	7.99 k	5.06 k	Large Cap	36.76
Indus Towers Ltd.	Telecom - infrastructure	0.99	6.1	0.99%	-1.10%	2.44% (Jun 2025)	0% (Sep 2024)	18.06 k	-0.17 L	Large Cap	36.76
TD Power Systems Ltd.	Heavy electrical equipment	2.47	6.1	0.98%	-0.04%	1.02% (Jul 2025)	0% (Sep 2024)	12.15 k	0.00	Other	24.56
Timken India Ltd.	Abrasives & bearings	1.7	6.1	0.98%	-0.85%	1.94% (Jun 2025)	0% (Sep 2024)	2.10 k	-1.26 k	Small Cap	18.35
Gabriel India Ltd.	Auto components & equipments	3	6.1	0.98%	0.47%	0.98% (Aug 2025)	0% (Sep 2024)	5.26 k	2.26 k	Small Cap	18.35
- Havells India Ltd.	Consumer electronics	0.97	6	0.97%	0.00%	2% (Feb 2025)	0% (Sep 2024)	3.92 k	0.00	Large Cap	36.76
DLF Ltd.	Residential, commercial projects	2.38	5.8	0.93%	-0.08%	1.08% (Jun 2025)	0% (Sep 2024)	7.84 k	0.00	Large Cap	36.76
Abbott India Ltd.	Pharmaceuticals	7.53	5.7	0.92%	-0.10%	2.02% (Feb 2025)	0% (Sep 2024)	181.00	0.00	Mid Cap	13.94
National Aluminium Co. Ltd.	Aluminium	0.9	5.6	0.90%	-0.01%	0.97% (May 2025)	0% (Sep 2024)	30.00 k	0.00	Small Cap	18.35
LTIMindtree Ltd.	Computers - software & consulting	4.53	5.1	0.83%	-0.01%	0.88% (Jun 2025)	0% (Sep 2024)	1.00 k	0.00	Mid Cap	13.94
Bharat Heavy Electricals Ltd.	Heavy electrical equipment	2.47	4.9	0.79%	-0.12%	0.91% (Jul 2025)	0% (Sep 2024)	23.40 k	0.00	Mid Cap	13.94
Can Fin Homes Ltd.	Housing finance company	1.84	4.7	0.76%	-0.05%	0.95% (Apr 2025)	0% (Sep 2024)	6.54 k	0.00	Small Cap	18.35
- Grindwell Norton Ltd.	Abrasives & bearings	1.7	4.5	0.72%	0.00%	1.08% (Feb 2025)	0% (Sep 2024)	2.86 k	0.00	Small Cap	18.35
Aditya Birla Real Estate Ltd.	Paper & paper products	0.71	4.4	0.71%	-0.06%	0.87% (Jun 2025)	0% (Sep 2024)	2.50 k	0.00	Mid Cap	13.94
Schneider Electric Infrastructure Ltd.	Heavy electrical equipment	2.47	4.3	0.70%	-0.13%	0.83% (Jul 2025)	0% (Sep 2024)	5.07 k	0.00	Small Cap	18.35
AstraZeneca Pharma India Ltd.	Pharmaceuticals	7.53	4.2	0.68%	-0.07%	1.01% (Feb 2025)	0% (Sep 2024)	500.00	0.00	Small Cap	18.35
- Century Plyboards India Ltd.	Plywood boards/ laminates	0.65	4.1	0.65%	0.00%	0.97% (Feb 2025)	0% (Sep 2024)	5.42 k	0.00	Small Cap	18.35
GO Digit General Insurance Ltd.	General insurance	0.63	3.9	0.63%	-0.04%	1.01% (Feb 2025)	0% (Sep 2024)	11.00 k	0.00	Other	24.56
Camlin Fine Sciences Ltd.	Specialty chemicals	0.63	3.9	0.63%	-0.21%	0.99% (Jun 2025)	0% (Sep 2024)	19.08 k	0.00	Small Cap	18.35
Allied Blenders and Distillers Ltd.	Breweries & distilleries	1.9	3.8	0.62%	-0.02%	0.64% (Jul 2025)	0% (Sep 2024)	7.55 k	0.00	Other	24.56
Ganesha Ecosphere Ltd.	Other textile products	1.84	3.7	0.60%	-0.08%	0.88% (Mar 2025)	0% (Sep 2024)	2.78 k	0.00	Small Cap	18.35
Bajaj Finance Ltd.	Non banking financial company (nbfc)	0.58	3.6	0.58%	-0.01%	2.95% (Feb 2025)	0% (Sep 2024)	4.08 k	0.00	Other	24.56
Orient Refractories Ltd.	Electrodes & refractories	0.54	3.3	0.54%	-0.04%	0.58% (Jul 2025)	0% (Sep 2024)	7.05 k	0.00	Small Cap	18.35
Jubilant Life Sciences Ltd.	Pharmaceuticals	7.53	3.2	0.52%	-0.09%	0.61% (Jul 2025)	0% (Sep 2024)	3.14 k	0.00	Mid Cap	13.94
# eClerx Services Ltd.	Business process outsourcing (bpo)/ knowledge process outsourcing (kpo)	0.51	3.2	0.51%	0.51%	0.51% (Aug 2025)	0% (Sep 2024)	756.00	756.00	Small Cap	18.35
Cera Sanitaryware Ltd.	Sanitary ware	0.51	3.2	0.51%	-0.03%	0.54% (Jul 2025)	0% (Sep 2024)	504.00	0.00	Small Cap	18.35
# Pondy Oxides & Chemical Ltd.	Diversified metals	0.49	3.1	0.49%	0.49%	0.49% (Aug 2025)	0% (Sep 2024)	2.91 k	2.91 k	Other	24.56
SBI Life Insurance Co Ltd.	Life insurance	1.48	3	0.49%	-0.74%	1.44% (Jun 2025)	0% (Sep 2024)	1.69 k	-2.40 k	Large Cap	36.76
Ujjivan Small Finance Bank Ltd.	Other bank	0.49	3	0.49%	-0.03%	0.52% (Jul 2025)	0% (Sep 2024)	71.21 k	0.00	Other	24.56
City Union Bank Ltd.	Private sector bank	11.41	2.8	0.45%	-1.48%	1.98% (Jun 2025)	0% (Sep 2024)	14.28 k	-0.41 L	Mid Cap	13.94
Pfizer Ltd.	Pharmaceuticals	7.53	2.5	0.41%	-0.01%	0.5% (May 2025)	0% (Sep 2024)	492.00	0.00	Mid Cap	13.94
Astral Ltd.	Plastic products - industrial	1.4	2.5	0.40%	-0.02%	0.49% (May 2025)	0% (Sep 2024)	1.83 k	0.00	Mid Cap	13.94
Hindalco Industries Ltd.	Aluminium	0.9	2.2	0.00%	-0.36%	-	-	-	-	Large Cap	36.76
KSB Ltd.	Compressors, pumps & diesel engines	1.73	6.5	0.00%	-1.07%	-	-	-	-	Other	24.56
Axis Bank Ltd.	Private sector bank	11.41	4.5	0.00%	-0.74%	-	-	-	-	Large Cap	36.76
IDFC First Bank Ltd.	Private sector bank	11.41	5.5	0.00%	-0.90%	-	-	-	-	Mid Cap	13.94
Vedanta Ltd.	Diversified metals	0.49	8.4	0.00%	-1.38%	-	-	-	-	Large Cap	36.76

- indicates change in weight in the portfolio. # indicates a new entry.

New Stocks added in Portfolio (in 1 month period ending 31st Aug,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# eClerx Services Ltd.	Business process outsourcing (bpo)/ knowledge process outsourcing (kpo)	3.2	0.51%	0.51%	0.51% (Aug 2025)	0% (Sep 2024)	756.00	756
# Pondy Oxides & Chemical Ltd.	Diversified metals	3.1	0.49%	0.49%	0.49% (Aug 2025)	0% (Sep 2024)	2.91 k	2912

Stocks removed from Portfolio (in 1 month period ending 31st Aug,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	1M Change in Qty
Hindalco Industries Ltd.	Aluminium	2.2	0.00%	-0.36%	0.5% (Mar 2025)	0% (Sep 2024)	-3242
KSB Ltd.	Compressors, pumps & diesel engines	6.5	0.00%	-1.07%	1.19% (May 2025)	0% (Sep 2024)	-7784
Axis Bank Ltd.	Private sector bank	4.5	0.00%	-0.74%	1.97% (Apr 2025)	0% (Sep 2024)	-4203
IDFC First Bank Ltd.	Private sector bank	5.5	0.00%	-0.90%	0.9% (Jul 2025)	0% (Sep 2024)	-80000
Vedanta Ltd.	Diversified metals	8.4	0.00%	-1.38%	1.38% (Jul 2025)	0% (Sep 2024)	-19720

Trend in stock holdings (Top 15 Holding)

Stock	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024	Oct 2024	Sep 2024	Aug 2024
HDFC Bank Ltd.	5.97%	5.99%	5.98%	6.34%	7.05%	6.48%	5.42%	-	-	-	-	-	-
Reliance Industries Ltd.	3.59%	3.99%	6.03%	6.22%	6.12%	4.64%	4.45%	-	-	-	-	-	-
Infosys Ltd.	3.70%	3.86%	3.74%	2.74%	2.96%	3.46%	4.56%	-	-	-	-	-	-
ICICI Bank Ltd.	2.96%	3.18%	3.13%	3.41%	3.79%	3.99%	3.20%	-	-	-	-	-	-
Ultratech Cement Ltd.	2.01%	2.73%	2.72%	2.75%	3.21%	3.08%	3.62%	-	-	-	-	-	-
Bharti Airtel Ltd.	-	-	2.17%	2.18%	2.73%	2.34%	-	-	-	-	-	-	-
Bharat Electronics Ltd.	2.34%	2.46%	2.73%	2.71%	2.49%	2.18%	1.53%	-	-	-	-	-	-
Mahindra & Mahindra Ltd.	2.31%	2.35%	-	-	-	-	-	-	-	-	-	-	-
InterGlobe Aviation Ltd.	-	-	-	-	2.39%	2.37%	2.01%	-	-	-	-	-	-
National Thermal Power Corporation Ltd.	-	-	-	2.11%	2.52%	2.33%	1.93%	-	-	-	-	-	-
Divis Laboratories Ltd.	2.43%	2.03%	2.30%	2.44%	2.50%	1.42%	1.80%	-	-	-	-	-	-
Maruti Suzuki India Ltd.	2.34%	2.03%	2.01%	2.18%	1.91%	1.61%	1.92%	-	-	-	-	-	-
Swiggy Ltd.	1.98%	1.99%	-	-	-	-	-	-	-	-	-	-	-
Bajaj Finserv Ltd	1.80%	1.86%	1.98%	2.11%	2.30%	1.79%	-	-	-	-	-	-	-
Sun Pharmaceutical Industries Ltd.	1.46%	1.58%	1.57%	1.71%	2.10%	2.22%	2.72%	-	-	-	-	-	-

Name	Type of Instrument	Weight (%)
TREPS	TREPS	3.46%
Net Receivables	Net Receivables	2.93%

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hunch
MF Investment Help
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28 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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shravanashok
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43 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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The Fixed Income
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6 hrs ago

Short-Term, High-Yield Investment Opportunity ANNAPURNA FINANCE PRIVATE LIMITED – 2026 Bond ✔️ Coupon: 12.87% p.a. ✔️ Rating: CRISIL A- Stable ✔️ Tenor: 7m (Maturity: 02/May/2026) ✔️ NBFC | High Return | Listed A secured short-term bond delivering attractive returns—perfect for investors seeking quick maturity with strong yields. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJHcWJ3PT0=/1287-annapurna-finance-private-limited-2026?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Short-Term, High-Yield Investment Opportunity ANNAPURNA FINANCE PRIVATE LIMITED – 2026 Bond ✔️ Coupon: 12.87% p.a. ✔️ Rating: CRISIL A- Stable ✔️ Tenor: 7m (Maturity: 02/May/2026) ✔️ NBFC | High Return | Listed A secured short-term bond delivering attractive returns—perfect for investors seeking quick maturity with strong yields. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJHcWJ3PT0=/1287-annapurna-finance-private-limited-2026?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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sunny85deol
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93 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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Progrowth Finwealth
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94 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

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  Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time
  
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h_purandare
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100 days ago

Why are the NAVs of Indian Debt Mutual Funds going down after the rate cut View more

Posted by : h_purandare
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  Why are the NAVs of Indian Debt Mutual Funds going down after the rate cut
  
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