Mutual Funds Near 52-Week Lows: Is Now the Best Time to Buy?

This article lists funds that are currently close to their lowest NAVs in the past year.

Mutual Funds Near 52-Week Lows: Is Now the Best Time to Buy?


Posted on 03 Feb 2025 • Updated on: 21 Dec 2025
Author: Sayan Sircar
20 mins read
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This article lists funds that are currently close to their lowest NAVs in the past year.

Mutual Funds Near 52-Week Lows: Is Now the Best Time to Buy?

Disclaimer: The Fund names in this article are not recommendations to buy/hold/sell. Mutual funds are subject to market risks. Do not invest real money without adequate research.

📚 Table of Contents

Mutual Funds Near Their 52-Week Lows ? Should You Buy?

Identifying mutual funds trading close to their 52-week lows will give you an idea that the market has bottomed out. We already have a list of funds available for bottom-fishing based on the fall of their 52-week high NAVs: Bottom fishing tracker: which mutual funds have fallen the most?

Objection: Isn't buying at 52-week lows just market timing?
Response: While it may seem like market timing, this approach is about performing an initial shortlist of funds as a part of a broader fund-picking strategy.

This article will show you a list of funds that have fallen and are trading very close to their 52-week low NAVs.


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Who Benefits from This Strategy?

Investors who have received a recent windfall like an annual bonus, money from a property sale or are simply rebalancing their portfolio, can start their mutual fund shortlisting journey from a list like this.

We recommend having the experience of at least one market cycle because, without it, it is easy to believe that stock markets rise 15-20% every year, like a supercharged fixed deposit.

If you are not this type of investor, it’s best to continue your SIP in your chosen funds as-is without making any additional changes.

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Which mutual funds are trading closest to their 52-week lows?

We have set a threshold of 10% or less closeness to the 52-week low NAV to identify these opportunities using NAV data from AMFI for the closing date of 23-Dec-2025.

A fund will make it to this list if, for example, the 52-week low NAV is 50 and its current NAV is equal to or lower than 55. A maximum of 10 funds in each category are presented to keep the list of funds manageable.

Debt: Liquid

Fund Change (%) NAV (52w low) Latest NAV
Abakkus Liquid 0.08 100.0706 100.1523
Navi Liquid 0.28 29.3106 29.3927
Capitalmind Liquid 0.31 1001.9576 1005.0427
THE WEALTH COMPANY LIQUID 1.04 1001.0502 1011.4742
JioBlackRock Liquid 2.65 1000.7456 1027.2778
Unifi Liquid 3.07 1000.7380 1031.4453
Quantum Liquid 6.19 34.0536 36.1613
Motilal Oswal Liquid 6.23 13.4694 14.3080
Shriram Liquid 6.26 1007.9917 1071.1279
Parag Parikh Liquid 6.36 1409.0686 1498.6969

Debt: Medium To Long Duration

Fund Change (%) NAV (52w low) Latest NAV
Bandhan Medium to Long Duration 4.87 68.1667 71.4876
CANARA ROBECO INCOME 5.57 59.5023 62.8175
Aditya Birla Sun Life Income 5.63 129.4630 136.7528
Nippon India Medium to Long Duration 5.87 95.7858 101.4065
UTI Medium to Long Duration 6.02 76.2826 80.8761
HDFC Income 6.03 61.3938 65.0977
Kotak Bond 6.38 82.2572 87.5040
HSBC Medium to Long Duration 6.42 44.7652 47.6400
SBI Medium to Long Duration 6.58 72.7246 77.5103
LIC MF Medium to Long Duration 7.06 74.0427 79.2693

Debt: Dynamic Bond

Fund Change (%) NAV (52w low) Latest NAV
Union Dynamic Bond 4.41 23.5434 24.5814
BANDHAN Dynamic Bond 4.84 36.1694 37.9214
DSP Strategic Bond 4.99 3436.6121 3608.0507
CANARA ROBECO DYNAMIC BOND 5.05 30.9413 32.5043
ITI Dynamic Bond 5.11 12.5522 13.1934
Groww Dynamic Bond 5.14 1462.9770 1538.2418
HDFC Dynamic Debt 5.47 94.5925 99.7646
Baroda BNP Paribas Dynamic Bond 5.50 48.5736 51.2460
HSBC Dynamic Bond 6.35 30.5308 32.4697
PGIM India Dynamic Bond 6.41 2847.3046 3029.8871

Debt: Low Duration

Fund Change (%) NAV (52w low) Latest NAV
Union Low Duration 2.38 10.0125 10.2512
Edelweiss Low Duration 5.59 1000.7779 1056.6732
Franklin India Low Duration 6.55 10.0000 10.6549
BANDHAN Low Duration 7.40 37.8878 40.6919
DSP Low Duration 7.42 19.6315 21.0878
Invesco India Low Duration 7.46 3777.9903 4059.8845
Tata Treasury Advantage 7.48 3874.7656 4164.4231
CANARA ROBECO SAVINGS 7.49 41.5120 44.6229
SBI LOW DURATION 7.50 3481.6063 3742.8626
LIC MF Low Duration 7.58 41.0761 44.1898

Debt: Gilt

Fund Change (%) NAV (52w low) Latest NAV
Groww Gilt 1.86 9.7108 9.8910
Bajaj Finserv Gilt 3.52 1000.1294 1035.3593
Union Gilt 3.60 11.8677 12.2946
Kotak GiltInvestment Provident 3.62 107.1056 110.9862
LIC MF Gilt 3.70 62.8969 65.2221
Aditya Birla Sun Life Government Securities 3.82 83.4360 86.6257
CANARA ROBECO GILT 4.68 77.7119 81.3470
Edelweiss Government Securities 4.68 24.9847 26.1530
Nippon India Gilt 4.74 41.0187 42.9636
HSBC Gilt 4.75 72.3211 75.7574

Hybrid: Conservative

Fund Change (%) NAV (52w low) Latest NAV
Sundaram Conservative Hybrid 6.50 31.0466 33.0649
LIC MF Conservative Hybrid 7.33 86.5480 92.8939
HDFC Hybrid Debt 7.53 82.5587 88.7781
Parag Parikh Conservative Hybrid 7.80 14.4342 15.5596
UTI Conservative Hybrid 8.11 70.6309 76.3564
CANARA ROBECO CONSERVATIVE HYBRID 8.17 103.9742 112.4701
HSBC Conservative Hybrid 8.37 63.3657 68.6703
Franklin India Conservative Hybrid 8.42 93.5591 101.4379
BANDHAN Conservative Hybrid 8.48 33.8200 36.6890
Axis Conservative Hybrid 8.50 33.0889 35.9029

Debt: Ultra Short Duration

Fund Change (%) NAV (52w low) Latest NAV
Motilal Oswal Ultra Short Term 6.23 16.8630 17.9144
WhiteOak Capital Ultra Short Duration 6.89 1355.6735 1449.0170
ITI Ultra Short Duration 6.91 1231.3867 1316.4812
BANK OF INDIA Ultra Short Duration 6.94 3146.0106 3364.4631
PGIM India Ultra Short Duration 6.99 34.2453 36.6398
CANARA ROBECO ULTRA SHORT TERM 7.03 3883.2301 4156.3931
BANDHAN ULTRA SHORT DURATION 7.09 14.8048 15.8548
LIC MF Ultra Short Duration 7.11 1297.2984 1389.5286
SBI ULTRA SHORT DURATION 7.14 5842.5441 6259.9760
Baroda BNP Paribas Ultra Short Duration 7.14 1500.8968 1608.0085

Debt: Short Duration

Fund Change (%) NAV (52w low) Latest NAV
Union Short Duration 6.70 10.0087 10.6795
CANARA ROBECO SHORT DURATION 7.55 26.4549 28.4518
BANK OF INDIA Short Term Income 7.55 27.7987 29.8983
Tata Short Term Bond 7.57 50.5244 54.3499
UTI Short Duration 7.78 32.1912 34.6957
DSP Short Term 7.85 48.2457 52.0337
Bandhan Short Duration 7.88 58.2478 62.8371
Sundaram Short Duration 7.90 45.6884 49.2963
JM Short Duration 7.90 11.7263 12.6529
Kotak Bond Short Term 8.03 54.6537 59.0438

Debt: Money Market

Fund Change (%) NAV (52w low) Latest NAV
Groww Money Market 0.40 10.0050 10.0450
JioBlackRock Money Market 2.63 1000.8839 1027.1826
Bank of India Money Market 6.53 10.0047 10.6582
LIC MF Money Market 6.99 1159.7126 1240.8154
Union Money Market 7.21 1216.1388 1303.8784
TRUSTMF MONEY MARKET 7.21 1177.0704 1261.9218
DSP Savings 7.22 52.1299 55.8917
PGIM India Money Market 7.32 1312.1152 1408.1789
Invesco India Money Market 7.39 3023.8632 3247.3521
HSBC Money Market 7.44 26.5582 28.5346

Debt: Gilt Fund With 10 Year Constant Duration

Fund Change (%) NAV (52w low) Latest NAV
DSP 10Y GSec 6.57 21.2110 22.6047
SBI CONSTANT MATURITY 10 YEAR GILT 7.07 62.8496 67.2960
UTI Gilt 7.12 12.1192 12.9823
Bandhan Gilt 7.69 44.0147 47.3984
ICICI Prudential Constant Maturity Gilt 7.70 23.8720 25.7111

Debt: Medium Duration

Fund Change (%) NAV (52w low) Latest NAV
Sundaram Medium Duration 6.45 73.8234 78.5887
UTI Medium Duration 7.11 18.6990 20.0288
Bandhan Medium Duration 7.28 47.4637 50.9167
Invesco India Medium Duration 7.41 1219.5613 1309.9093
SBI MEDIUM DURATION 7.87 52.7248 56.8768
DSP Bond 8.07 82.4702 89.1246
HDFC Medium Term Debt 8.16 58.1909 62.9402
HSBC Medium Duration 8.42 21.1622 22.9444
Axis Strategic Bond 8.75 29.2366 31.7948
ICICI Prudential Medium Term Bond 9.51 46.7031 51.1445

Other: FoF Domestic

Fund Change (%) NAV (52w low) Latest NAV
Mahindra Manulife Income Plus Arbitrage Active FOF 0.10 10.0014 10.0119
Axis Income Plus Arbitrage Passive FOF 0.40 10.0121 10.0522
Groww BSE Power ETF FOF 1.09 9.6873 9.7925
Union Income Plus Arbitrage Active FOF 1.99 9.9688 10.1668
Invesco India Income Plus Arbitrage Active 2.05 1000.9427 1021.4439
Edelweiss Income Plus Arbitrage Active 2.12 10.0074 10.2196
HDFC Diversified Equity All Cap Active FOF 2.46 10.0106 10.2573
Mirae Asset Income plus Arbitrage Active FOF 2.58 10.0160 10.2740
Union Diversified Equity All Cap Active FOF 2.65 9.6625 9.9187
Nippon India Income Plus Arbitrage Active 2.70 10.0120 10.2821

Hybrid: Arbitrage

Fund Change (%) NAV (52w low) Latest NAV
Old Bridge Arbitrage 0.56 10.0029 10.0587
THE WEALTH COMPANY ARBITRAGE 1.03 10.0100 10.1128
TRUSTMF ARBITRAGE 1.88 10.0000 10.1881
quant Arbitrage 4.95 10.0075 10.5027
Samco Arbitrage 5.27 10.0500 10.5800
Mahindra Manulife Arbitrage 6.08 12.4394 13.1951
NJ Arbitrage 6.24 11.8238 12.5617
BANK OF INDIA Arbitrage 6.36 13.9055 14.7892
JM Arbitrage 6.46 33.5797 35.7483
Union Arbitrage 6.53 14.0127 14.9281

Hybrid: Equity Savings

Fund Change (%) NAV (52w low) Latest NAV
quant Equity Savings 1.58 10.0090 10.1667
BAJAJ FINSERV EQUITY SAVINGS 1.67 10.0160 10.1830
BANDHAN Equity Savings 7.15 33.1450 35.5140
PGIM India Equity Savings 7.29 53.2247 57.1036
Franklin India Equity Savings 7.45 17.1038 18.3772
DSP Equity Savings 7.82 23.1720 24.9840
Invesco India Equity Savings 8.14 17.4427 18.8627
Tata Equity Savings 8.26 58.8932 63.7598
Union Equity Savings 8.65 16.4200 17.8400
Nippon India Equity Savings 8.77 16.6061 18.0627

Debt: Floater

Fund Change (%) NAV (52w low) Latest NAV
SBI Floating Rate Debt 7.02 12.8491 13.7517
UTI Floater 7.48 1498.9694 1611.0824
DSP Floater 7.71 12.7514 13.7344
Aditya Birla Sun Life Floating Rate 7.85 342.0614 368.9092
Tata Floating Rate 7.97 12.4020 13.3908
HDFC Floating Rate Debt 8.03 48.6679 52.5768
Axis Floater 8.03 1252.1253 1352.6752
BANDHAN FLOATER 8.10 12.5400 13.5553
Nippon India Floater 8.23 45.3102 49.0380
ICICI Prudential Floating Interest 8.35 442.9793 479.9877

Solution: Retirement

Fund Change (%) NAV (52w low) Latest NAV
Aditya Birla Sun Life Retirement 5.94 13.7333 14.5488
Nippon India Retirement 6.14 21.8188 23.1585
ICICI Prudential Retirement 6.59 15.6246 16.6549
SBI Retirement Benefit 6.82 13.7904 14.7313
HDFC Retirement Savings 8.33 22.9229 24.8324
Tata Retirement Savings 8.97 34.4689 37.5609
SBI Retirement Benefit 8.99 14.8177 16.1500
Aditya Birla Sun Life Retirement 9.03 14.8827 16.2264
Franklin India Retirement 9.35 222.2409 243.0150

Debt: Corporate Bond

Fund Change (%) NAV (52w low) Latest NAV
CANARA ROBECO CORPORATE BOND 6.77 22.3018 23.8117
TRUSTMF CORPORATE BOND 7.05 1150.7529 1231.8465
Aditya Birla Sun Life Corporate Bond 7.39 109.6063 117.7025
HDFC Corporate Bond 7.45 31.7444 34.1109
Tata Corporate Bond 7.59 12.0442 12.9584
BANDHAN Corporate Bond 7.65 18.8677 20.3120
Mirae Asset Corporate Bond 7.66 12.4019 13.3518
Sundaram Corporate Bond 7.79 39.5795 42.6610
Union Corporate Bond 7.83 14.8741 16.0386
Invesco India Corporate Bond 7.94 3242.6307 3500.1561

Debt: Credit Risk

Fund Change (%) NAV (52w low) Latest NAV
BANDHAN Credit Risk 7.22 17.0349 18.2640
UTI Credit Risk 7.94 18.4463 19.9105
HDFC Credit Risk Debt 8.40 24.7889 26.8721
SBI CREDIT RISK 8.52 46.8990 50.8970
Baroda BNP Paribas Credit Risk 8.84 23.2342 25.2880
Axis Credit Risk 9.38 22.7681 24.9047
Nippon India Credit Risk 9.64 36.4828 39.9980
Kotak Credit Risk 9.93 31.3812 34.4989

Debt: Overnight

Fund Change (%) NAV (52w low) Latest NAV
360 ONE Overnight 2.41 1000.6319 1024.7002
JioBlackRock Overnight 2.47 1000.7415 1025.4787
Zerodha Overnight 3.78 10.0213 10.3997
Samco Overnight 5.59 1149.9998 1214.2435
ITI Overnight 5.62 1273.7418 1345.3763
Helios Overnight 5.68 1078.5527 1139.8390
quant Overnight 5.71 11.4927 12.1485
JM Overnight 5.72 1274.0165 1346.8577
Shriram Overnight 5.72 11.6019 12.2651
Groww Overnight 5.74 1294.5177 1368.8258

Debt: Banking And PSU

Fund Change (%) NAV (52w low) Latest NAV
Canara Robeco Banking and PSU Debt 6.90 11.6680 12.4735
DSP Banking PSU Debt 6.98 23.8322 25.4962
Mirae Asset Banking and PSU 7.37 12.6418 13.5733
Bandhan Banking and PSU 7.40 24.1939 25.9839
ITI Banking PSU Debt 7.43 12.7724 13.7217
Invesco India Banking and PSU 7.56 2313.8997 2488.7406
Aditya Birla Sun Life Banking PSU Debt 7.59 363.0202 390.5791
Nippon India Banking and PSU 7.65 20.5223 22.0913
Edelweiss Banking and PSU Debt 7.65 24.3203 26.1806
Sundaram Banking PSU 7.70 41.6480 44.8548

Solution: Child

Fund Change (%) NAV (52w low) Latest NAV
SBI Childrens 7.44 112.5346 120.9124

Equity: Sectoral or Thematic

Fund Change (%) NAV (52w low) Latest NAV
LIC MF Consumption 0.51 9.9032 9.9536
Kotak Rural Opportunities 0.77 10.0090 10.0860
Bajaj Finserv Banking and Financial Services 0.84 9.9020 9.9850
Bandhan Healthcare 0.88 9.7320 9.8180
Mirae Asset Infrastructure 1.00 9.8520 9.9510
Baroda BNP Paribas Health and Wellness 1.02 9.4019 9.4978
Samco Active Momentum 1.06 13.1900 13.3300
THE WEALTH COMPANY ETHICAL 1.33 9.7648 9.8947
Franklin India MultiFactor 1.34 9.8376 9.9691
ICICI Prudential Conglomerate 1.64 9.7800 9.9400

Debt: Long Duration

Fund Change (%) NAV (52w low) Latest NAV
UTI Long Duration 3.03 11.7227 12.0780
Kotak Long Duration 3.15 10.6155 10.9504
Axis Long Duration 3.46 1194.3303 1235.6539
HDFC Long Duration Debt 3.74 11.8537 12.2972
Mirae Asset Long Duration 3.79 9.9452 10.3222
Bandhan Long Duration 4.03 10.6491 11.0785
SBI Long Duration 4.04 12.0041 12.4894
Nippon India Nivesh Lakshya Long Duration 5.03 17.4598 18.3374
Aditya Birla Sun Life Long Duration 5.54 12.3966 13.0829
ICICI Prudential Long Term Bond 5.77 93.6514 99.0511

Other: Index Funds

Fund Change (%) NAV (52w low) Latest NAV
HDFC BSE India Sector Leaders India 1.22 9.7528 9.8714
ANGEL ONE NIFTY TOTAL MARKET MOMENTUM QUALITY 50 INDEX 1.26 9.5741 9.6951
Kotak CRISILIBX Financial Services 9 to 12 Months Debt Index 1.28 10.0112 10.1396
DSP Nifty Smallcap 250 Index 1.33 9.9509 10.0832
Axis Nifty500 Quality 50 Index 1.36 9.6069 9.7377
DSP Nifty Midcap 150 Index 1.36 9.9757 10.1110
Axis CRISILIBX Financial Services 36 Months Debt Index 1.40 10.0078 10.1479
Tata Nifty Next 50 Index 1.61 9.8810 10.0400
Zerodha Nifty 50 Index 1.74 10.1401 10.3163
JioBlackRock Nifty Smallcap 250 Index 1.77 9.5399 9.7088

Hybrid: Multi Asset Allocation

Fund Change (%) NAV (52w low) Latest NAV
The Wealth Company Multi Asset Allocation 0.18 10.0336 10.0514
PGIM India Multi Asset Allocation 1.81 9.9400 10.1200
Groww Multi Asset Allocation 3.01 10.0149 10.3159
Edelweiss Multi Asset Allocation 7.34 11.2183 12.0416
Franklin India Multi Asset Allocation 8.62 9.9271 10.7828
Canara Robeco Multi Asset Allocation 9.30 10.0000 10.9300

Hybrid: Balanced

Fund Change (%) NAV (52w low) Latest NAV
360 ONE Balanced Hybrid 9.77 12.0175 13.1917

Hybrid: Dynamic Asset Allocation Or Balanced Advantage

Fund Change (%) NAV (52w low) Latest NAV
Samco Dynamic Asset Allocation 4.73 10.1500 10.6300
Unifi Dynamic Asset Allocation 6.23 10.0047 10.6284
Parag Parikh Dynamic Asset Allocation 6.34 10.8094 11.4947

Equity: Multi Cap

Fund Change (%) NAV (52w low) Latest NAV
Samco Multi Cap 2.84 8.7900 9.0400
TRUSTMF MULTI CAP 5.44 9.9200 10.4600
UTI Multi Cap 7.08 9.9634 10.6692

Equity: Large Cap

Fund Change (%) NAV (52w low) Latest NAV
Samco Large Cap 0.21 9.4100 9.4300

Equity: Large Mid Cap

Fund Change (%) NAV (52w low) Latest NAV
Samco Large Mid Cap 0.44 9.1300 9.1700
JM Large Mid Cap 6.18 9.8852 10.4959

Equity: Flexi Cap

Fund Change (%) NAV (52w low) Latest NAV
JioBlackRock Flexi Cap 1.29 10.0400 10.1700
THE WEALTH COMPANY FLEXI CAP 2.45 9.9400 10.1837
Unifi Flexi Cap 4.65 9.9003 10.3606
CAPITALMIND FLEXI CAP 5.03 9.6311 10.1160

Equity: Small Cap

Fund Change (%) NAV (52w low) Latest NAV
Helios Small Cap 1.45 9.6600 9.8000
BAJAJ FINSERV SMALL CAP 1.96 9.3260 9.5090

Equity: Mid Cap

Fund Change (%) NAV (52w low) Latest NAV
Bank of India Mid Cap 1.36 9.5600 9.6900

Note Arbitrage funds will be on this list since by design they don’t give a huge amount of returns and therefore will be fairly close to their 52-week low levels.

What should investors do with this data?

Investors must be extremely cautious that this exercise does not turn into catching a falling knife. Just because a fund has fallen does not make it “cheap” to invest.

Objection: I don't have experience with market cycles; should I still look at this list?
Response: If you're unsure about market trends, it's best to stick with regular SIPs rather than making lump-sum investments based on NAV movement.

There are three key takeaways from this data:

  1. Review existing funds: Investors should check if their current funds are on the list and evaluate their next steps, including consulting their advisor.
  2. Rebalance portfolios: Most investors should use this opportunity to rebalance from debt to equity if their portfolio’s asset allocation has drifted by 5%. Having a worked out financial plan is important to execute this step correctly
  3. Understand market trends: If you’re trying to determine whether we’re in a bear market, here’s a guide to help you assess the situation.

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This post titled Mutual Funds Near 52-Week Lows: Is Now the Best Time to Buy? first appeared on 03 Feb 2025 at https://arthgyaan.com


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