JM Low Duration Fund - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 28 (Category Avg - 77.09) | Modified Duration 0.92 Years (Category Avg - 0.88)| Yield to Maturity 6.73% (Category Avg - 6.66%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	0.00%	6.83%
CD	14.96%	19.26%
T-Bills	5.56%	3.86%
CP	0.00%	3.43%
NCD & Bonds	75.23%	59.25%
PTC	0.00%	2.31%

Category - Low Duration Fund

Security Type	% Weight	Category Average
Government Backed	5.56%	10.68%
Low Risk	90.19%	84.25%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Low Duration Fund

Debt holding in Portfolio (as on 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	166.58	9.40%	17.00 L
Bond - Shriram Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	CARE AA+	CARE	101.92	5.75%	10.00 L
Bond - Godrej Industries Ltd	NCD & Bonds	Animal feed	AA+	CRISIL	101.90	5.75%	10.00 L
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	98.57	5.56%	10.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	92.55	5.22%	9.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	CARE AAA	CARE	80.68	4.55%	8.00 L
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	CARE AA	CARE	75.19	4.24%	7.44 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	CARE AAA	CARE	51.13	2.89%	5.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	50.81	2.87%	5.00 L
Bond - Sikka Ports & Terminals Ltd.	NCD & Bonds	Port & port services	AAA	CRISIL	50.56	2.85%	5.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	CARE AAA	CARE	50.51	2.85%	5.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	50.31	2.84%	5.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	CARE AAA	CARE	50.30	2.84%	5.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	50.23	2.84%	5.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	50.23	2.84%	5.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	CARE AAA	CARE	50.18	2.83%	5.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	50.16	2.83%	5.00 L
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	50.12	2.83%	5.00 L
Bond - Mahindra Rural Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	50.07	2.83%	5.00 L
Bond - Piramal Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA	ICRA	50.05	2.83%	5.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	CARE AAA	CARE	49.92	2.82%	5.00 L
Bond - Jamnagar Utilities & Power Pvt. Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	49.85	2.81%	5.00 L
Bond - T-Bill	T-Bills	Other			49.40	2.79%	5.00 L
Bond - T-Bill	T-Bills	Other			49.03	2.77%	5.00 L
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	40.37	2.28%	4.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	40.26	2.27%	4.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	CARE AAA	CARE	30.38	1.72%	3.00 L
Bond - Shriram Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	CARE AA+	CARE	15.03	0.85%	1.50 L