Pick what matters most for the client — the table highlights the best fit and explains why.
Criterion
Neo Yield EnhancerShort Term
Phillip Conservative CreditMedium Term
Sundaram F.I.R.S.T.Medium–Long Term
Strategy / horizon
Short term · ~3-month hold
Medium term
Medium–long · 2.5–3 yr
Credit quality
NBFC bonds · AAA to A-
AAA–AA- ≥50% · A+ ≤50%
AAA to BBB (variant-based)
Expected YTM
~10.0–10.1%
~10.0–10.5%
9–12% (Cons 9 / Mod 10 / Agg 12)
Est. gross return p.a.
~10.5–11.5%
~10.2% (regular option)
9–13%
1-Year return*
11.84%
~10.5–10.7%
~9–12% (by variant)
Liquidity / redemption
3-mo lock-in, then NIL exit · 2% quarterly cashflow
Within 7 working days · 1% if <1 yr
2% if <1 yr · 1% if <2 yr
Portfolio duration
Short
Medium
2.5–3 years
Minimum investment
₹1 Crore
₹50 Lakhs
₹50 Lakhs
AUM
~₹1,500 Cr
~₹102 Cr
~₹78 Cr
Expense ratio (mgmt fee)
1.25% (<₹15 Cr) / 1.00% (>₹15 Cr)
1.00%
0.75% / 1.00% / 1.50% (by variant)
Exit load
Nil after 3-month lock-in
1% if exit before 1 year
—
Variants
Single
Growth · Regular Income
Conservative · Moderate · Aggressive
*Returns as on 30-Apr-2026, from internal one-pagers. For comparison only — not investment advice; the "best fit" depends on the client's horizon, risk appetite and liquidity needs.
Click a name to open its one-pager — open as many as you like · Source: Funds Presentation
11 · DEBT PMS
