Table of Contents
- Why Direct Funds are for you?
- Understanding Debt Fund Investment
- Best Debt Mutual Funds Direct Plans
Top 10 Funds
- Reliance Dynamic Bond Fund - Direct
- Reliance Gilt Securities Fund - Direct
- Reliance Gilt Securities Fund - Direct
- Axis Corporate Debt Opportunities Fund - Direct
- UTI Gilt Advantage Fund- LTP - Direct
- HDFC Floating Rate Income Fund - Short Term Plan - Direct
- UTI Short Term Income Fund - Direct
- Franklin India Income Builder Account - Plan A - Direct
- Franklin India Banking And PSU Debt Fund - Direct
- Franklin India Savings Plus Fund Retail Option - Direct
Best Direct Plans in Debt Mutual Funds
The mutual fund offers two plans- regular and direct. While regular plans have been in the option for many years, the first direct plan got introduced in the year 2013. But, direct plans are gaining a huge popularity amongst new investors due to its unique features and benefits. Though, currently direct plans are available only through a limited platform, but looking at its demand, many channels are introducing direct plans. Investors who want to invest in Debt fund by opting direct plans, here’s a glimpse of what are direct funds, a brief understanding of debt funds, along with some of the best direct pans debt funds.
Why Direct Funds are for you?
Unlike regular funds, direct funds are available through limited channels like from a mutual fund company, RTAs such as Karvy/CAMS, limited third party securities intermediaries, and authorized local representatives of the fund house. Investors who can independently invest and track their investments without a help of an advisor or a mediator can invest in direct plans from the fund house.
In direct funds, there are no expense charges like regular funds. As there are no distributor charges/ transaction chargers, etc., the expense ratio of direct plans is less. This effect on returns too. As the expense ratio of a direct mutual fund is less, the returns it can be slightly higher than regular plans- about 0.5 percent to 1.5 percent higher. This is one of the reasons why investors are opting for direct funds.
Ideally, an investor who has an experience of mutual fund investment and a fair knowledge about Market movements should prefer for direct plans. New investors who aren’t sure about risk appetite and the market should ideally prefer Mutual Funds with regular plans.
Understanding Debt Fund Investment
Debt funds are a type of mutual funds that mainly invest in fixed Income securities like Bonds, government securities, treasury bills, etc. If we look at the classifications of debt funds, they are categorized as per maturities- short, mid and long term period. This gives a Range of options for investors who want to invest in debt funds.
Debt funds are a good option for those who don’t want to take much risk in the investments or one who want to avoid Investing in the highly volatile Equity Funds. These funds provide a regular and steady income, however, the returns are less compared to equity funds.
Types of Debt Funds as per maturity
- Short Term Debt Funds- Overnight funds, Liquid Funds, ultra short term funds, low duration funds
- Medium Term Debt Funds- Short duration funds, medium duration funds, medium to long duration funds
- long term debt funds- Long duration funds
- Bond Oriented Funds- Dynamic Bond Funds, corporate bond funds
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Best Debt Mutual Funds Direct Plans
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) Reliance Dynamic Bond Fund - Direct Growth ₹38.2029
↓ -0.01 ₹4,393 1.5 4.3 9.4 6.8 6.9 9.4 Reliance Gilt Securities Fund - Direct Normal Growth, Growth ₹41.3062
↓ -0.04 ₹2,132 0.7 3.8 9.2 6.9 7 9.8 Reliance Gilt Securities Fund - Direct Growth ₹41.1949
↓ -0.04 ₹2,132 0.7 3.8 9.2 6.9 7 9.8 Axis Corporate Debt Opportunities Fund - Direct Growth ₹17.2446
↑ 0.00 ₹6,083 1.6 4.2 8.6 6.9 7.4 8.7 UTI Gilt Advantage Fund- LTP - Direct Growth ₹62.3592
↓ -0.09 ₹645 0.7 3.5 8.5 6.5 6.4 9.2 HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth ₹48.9186
↑ 0.01 ₹15,104 1.7 4.1 8.5 7.1 7 8.5 UTI Short Term Income Fund - Direct Growth ₹32.3437
↑ 0.00 ₹2,640 1.5 4 8.2 6.8 8 8.4 Franklin India Income Builder Account - Plan A - Direct Growth ₹101.983
↓ -0.12 ₹756 1.6 4 8 6.4 6.5 8.2 Franklin India Banking And PSU Debt Fund - Direct Growth ₹22.4761
↓ -0.02 ₹576 1.5 3.9 7.9 6.3 6.4 8.1 Franklin India Savings Plus Fund Retail Option - Direct Growth ₹49.9508
↑ 0.01 ₹2,706 1.8 3.7 7.8 6.7 6 7.8 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Jan 25
The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risks. This income may be complimented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in debt and money market instruments. Reliance Dynamic Bond Fund - Direct is a Debt - Dynamic Bond fund was launched on 1 Jan 13. It is a fund with Moderate risk and has given a Below is the key information for Reliance Dynamic Bond Fund - Direct Returns up to 1 year are on The primary investment objective of the scheme is to generate optimal credit risk-free returns by investing in a portfolio of securities issued and guaranteed by the Central Government and State Government. Reliance Gilt Securities Fund - Direct is a Debt - Government Bond fund was launched on 23 Jul 13. It is a fund with Moderate risk and has given a Below is the key information for Reliance Gilt Securities Fund - Direct Returns up to 1 year are on The primary investment objective of the scheme is to generate optimal credit risk-free returns by investing in a portfolio of securities issued and guaranteed by the Central Government and State Government. Reliance Gilt Securities Fund - Direct is a Debt - Government Bond fund was launched on 1 Jan 13. It is a fund with Moderate risk and has given a Below is the key information for Reliance Gilt Securities Fund - Direct Returns up to 1 year are on The Scheme seeks to provide steady income and capital appreciation by investing in corporate debt. There is no assurance or guarantee that the objectives of the Scheme will be realized. Axis Corporate Debt Opportunities Fund - Direct is a Debt - Corporate Bond fund was launched on 13 Jul 17. It is a fund with Moderate risk and has given a Below is the key information for Axis Corporate Debt Opportunities Fund - Direct Returns up to 1 year are on To generate credit risk-free return through investment in sovereign securities issued by the Central Government and / or a State Government and / or any security unconditionally guaranteed by the Central Government and / or a State Government for repayment of principal and interest. However there can be no assurance that the investment objective of the Scheme will be achieved. UTI Gilt Advantage Fund- LTP - Direct is a Debt - Government Bond fund was launched on 1 Jan 13. It is a fund with Moderate risk and has given a Below is the key information for UTI Gilt Advantage Fund- LTP - Direct Returns up to 1 year are on The investment objective of the scheme is to generate regular income through investment in a portfolio comprising substantially of floating & fixed rate debt & money market instruments swapped for floating rate returns and fixed rate debt securities and money market instruments. HDFC Floating Rate Income Fund - Short Term Plan - Direct is a Debt - Floating Rate fund was launched on 1 Jan 13. It is a fund with Moderately Low risk and has given a Below is the key information for HDFC Floating Rate Income Fund - Short Term Plan - Direct Returns up to 1 year are on To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt. UTI Short Term Income Fund - Direct is a Debt - Short term Bond fund was launched on 1 Jan 13. It is a fund with Moderate risk and has given a Below is the key information for UTI Short Term Income Fund - Direct Returns up to 1 year are on The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan. Franklin India Income Builder Account - Plan A - Direct is a Debt - Corporate Bond fund was launched on 1 Jan 13. It is a fund with Moderate risk and has given a Below is the key information for Franklin India Income Builder Account - Plan A - Direct Returns up to 1 year are on The fund seeks to provide income through a portfolio of debt and money market instruments consisting predominantly of securities issued by entities such as Banks and Public Sector Undertakings (PSUs). However, there is no assurance or guarantee that the objective of the scheme will be achieved. Franklin India Banking And PSU Debt Fund - Direct is a Debt - Banking & PSU Debt fund was launched on 25 Apr 14. It is a fund with Moderate risk and has given a Below is the key information for Franklin India Banking And PSU Debt Fund - Direct Returns up to 1 year are on Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments. Franklin India Savings Plus Fund Retail Option - Direct is a Debt - Money Market fund was launched on 1 Jan 13. It is a fund with Moderately Low risk and has given a Below is the key information for Franklin India Savings Plus Fund Retail Option - Direct Returns up to 1 year are on 1. Reliance Dynamic Bond Fund - Direct
CAGR/Annualized return of 7.8% since its launch. Return for 2024 was 9.4% , 2023 was 7.1% and 2022 was 2.8% . Reliance Dynamic Bond Fund - Direct
Growth Launch Date 1 Jan 13 NAV (17 Jan 25) ₹38.2029 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹4,393 on 15 Dec 24 Category Debt - Dynamic Bond AMC Nippon Life Asset Management Ltd. Rating Risk Moderate Expense Ratio 0.31 Sharpe Ratio 1.93 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 7.2% Effective Maturity 5 Years 6 Months 11 Days Modified Duration 4 Years 5 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,191 31 Dec 21 ₹11,545 31 Dec 22 ₹11,872 31 Dec 23 ₹12,719 31 Dec 24 ₹13,914 Returns for Reliance Dynamic Bond Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month 0.3% 3 Month 1.5% 6 Month 4.3% 1 Year 9.4% 3 Year 6.8% 5 Year 6.9% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 9.4% 2022 7.1% 2021 2.8% 2020 3.2% 2019 11.9% 2018 9.2% 2017 5.5% 2016 3.8% 2015 14.7% 2014 6.4% Fund Manager information for Reliance Dynamic Bond Fund - Direct
Name Since Tenure Vivek Sharma 25 Jun 20 4.52 Yr. Pranay Sinha 31 Mar 21 3.76 Yr. Kinjal Desai 25 May 18 6.61 Yr. Data below for Reliance Dynamic Bond Fund - Direct as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 2.47% Debt 97.26% Other 0.27% Debt Sector Allocation
Sector Value Government 97.26% Cash Equivalent 2.47% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.83 MH Sdl 2030
Sovereign Bonds | -7% ₹304 Cr 29,400,000 07.04 Tn SDL 2030
Sovereign Bonds | -5% ₹231 Cr 23,078,300 07.78 MH Sgs 2030
Sovereign Bonds | -5% ₹198 Cr 19,100,200 07.02 Tn SDL 2030
Sovereign Bonds | -4% ₹175 Cr 17,500,000 7.17% Govt Stock 2030
Sovereign Bonds | -3% ₹143 Cr 14,000,000 07.70 MH Sgs 2030
Sovereign Bonds | -3% ₹139 Cr 13,500,000 07.76 MH Sgs 2030
Sovereign Bonds | -3% ₹129 Cr 12,500,000 07.86 MH Sdl 2030
Sovereign Bonds | -3% ₹114 Cr 11,000,000 06.65 GJ Sdl 2030
Sovereign Bonds | -3% ₹110 Cr 11,200,000 07.60 MH Sdl 2030
Sovereign Bonds | -2% ₹108 Cr 10,500,000 2. Reliance Gilt Securities Fund - Direct
CAGR/Annualized return of 9.3% since its launch. Return for 2024 was 9.8% , 2023 was 7.6% and 2022 was 3% . Reliance Gilt Securities Fund - Direct
Normal Growth, Growth Launch Date 23 Jul 13 NAV (17 Jan 25) ₹41.3062 ↓ -0.04 (-0.10 %) Net Assets (Cr) ₹2,132 on 30 Nov 24 Category Debt - Government Bond AMC Nippon Life Asset Management Ltd. Rating Risk Moderate Expense Ratio 0.64 Sharpe Ratio 1.42 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-15 Days (0.25%),15 Days and above(NIL) Yield to Maturity 7.05% Effective Maturity 21 Years 4 Months 20 Days Modified Duration 9 Years 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,229 31 Dec 21 ₹11,542 31 Dec 22 ₹11,894 31 Dec 23 ₹12,799 31 Dec 24 ₹14,048 Returns for Reliance Gilt Securities Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month -0.1% 3 Month 0.7% 6 Month 3.8% 1 Year 9.2% 3 Year 6.9% 5 Year 7% 10 Year 15 Year Since launch 9.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 9.8% 2022 7.6% 2021 3% 2020 2.8% 2019 12.3% 2018 13.4% 2017 9.1% 2016 4.6% 2015 19% 2014 7.5% Fund Manager information for Reliance Gilt Securities Fund - Direct
Name Since Tenure Pranay Sinha 31 Mar 21 3.76 Yr. Kinjal Desai 31 Oct 21 3.17 Yr. Data below for Reliance Gilt Securities Fund - Direct as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 4.07% Debt 95.93% Debt Sector Allocation
Sector Value Government 95.93% Cash Equivalent 4.07% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -15% ₹317 Cr 31,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -14% ₹309 Cr 29,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -11% ₹240 Cr 23,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -11% ₹228 Cr 22,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -8% ₹174 Cr 16,965,200 7.25% Govt Stock 2063
Sovereign Bonds | -7% ₹144 Cr 14,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹144 Cr 14,000,000
↓ -1,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹85 Cr 8,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -3% ₹62 Cr 6,065,600 6.8% Govt Stock 2060
Sovereign Bonds | -3% ₹58 Cr 6,000,000 3. Reliance Gilt Securities Fund - Direct
CAGR/Annualized return of 9.1% since its launch. Return for 2024 was 9.8% , 2023 was 7.6% and 2022 was 3% . Reliance Gilt Securities Fund - Direct
Growth Launch Date 1 Jan 13 NAV (17 Jan 25) ₹41.1949 ↓ -0.04 (-0.10 %) Net Assets (Cr) ₹2,132 on 30 Nov 24 Category Debt - Government Bond AMC Nippon Life Asset Management Ltd. Rating Risk Moderate Expense Ratio 0.64 Sharpe Ratio 1.42 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-15 Days (0.25%),15 Days and above(NIL) Yield to Maturity 7.05% Effective Maturity 21 Years 4 Months 20 Days Modified Duration 9 Years 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,229 31 Dec 21 ₹11,542 31 Dec 22 ₹11,893 31 Dec 23 ₹12,799 31 Dec 24 ₹14,048 Returns for Reliance Gilt Securities Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month -0.1% 3 Month 0.7% 6 Month 3.8% 1 Year 9.2% 3 Year 6.9% 5 Year 7% 10 Year 15 Year Since launch 9.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 9.8% 2022 7.6% 2021 3% 2020 2.8% 2019 12.3% 2018 13.4% 2017 9.1% 2016 4.6% 2015 18.3% 2014 7.5% Fund Manager information for Reliance Gilt Securities Fund - Direct
Name Since Tenure Pranay Sinha 31 Mar 21 3.76 Yr. Kinjal Desai 31 Oct 21 3.17 Yr. Data below for Reliance Gilt Securities Fund - Direct as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 4.07% Debt 95.93% Debt Sector Allocation
Sector Value Government 95.93% Cash Equivalent 4.07% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -15% ₹317 Cr 31,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -14% ₹309 Cr 29,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -11% ₹240 Cr 23,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -11% ₹228 Cr 22,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -8% ₹174 Cr 16,965,200 7.25% Govt Stock 2063
Sovereign Bonds | -7% ₹144 Cr 14,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹144 Cr 14,000,000
↓ -1,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹85 Cr 8,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -3% ₹62 Cr 6,065,600 6.8% Govt Stock 2060
Sovereign Bonds | -3% ₹58 Cr 6,000,000 4. Axis Corporate Debt Opportunities Fund - Direct
CAGR/Annualized return of 7.5% since its launch. Return for 2024 was 8.7% , 2023 was 7.5% and 2022 was 4.4% . Axis Corporate Debt Opportunities Fund - Direct
Growth Launch Date 13 Jul 17 NAV (17 Jan 25) ₹17.2446 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹6,083 on 15 Dec 24 Category Debt - Corporate Bond AMC Axis Asset Management Company Limited Rating Risk Moderate Expense Ratio 0.27 Sharpe Ratio 2.51 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.39% Effective Maturity 4 Years 10 Months 13 Days Modified Duration 3 Years 6 Months 22 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,236 31 Dec 21 ₹11,727 31 Dec 22 ₹12,243 31 Dec 23 ₹13,163 31 Dec 24 ₹14,306 Returns for Axis Corporate Debt Opportunities Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 4.2% 1 Year 8.6% 3 Year 6.9% 5 Year 7.4% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.7% 2022 7.5% 2021 4.4% 2020 4.4% 2019 12.4% 2018 6.9% 2017 8.8% 2016 2015 2014 Fund Manager information for Axis Corporate Debt Opportunities Fund - Direct
Name Since Tenure Devang Shah 13 Jul 17 7.48 Yr. Hardik Shah 31 Jan 22 2.92 Yr. Data below for Axis Corporate Debt Opportunities Fund - Direct as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 4.46% Debt 95.31% Other 0.23% Debt Sector Allocation
Sector Value Corporate 59% Government 36.71% Cash Equivalent 4.06% Credit Quality
Rating Value AA 1.6% AAA 98.4% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -7% ₹435 Cr 42,516,700
↑ 3,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹190 Cr 18,500,000
↓ -1,000,000 Rural Electrification Corporation Limited
Debentures | -3% ₹175 Cr 17,500 6.79% Govt Stock 2034
Sovereign Bonds | -3% ₹171 Cr 17,000,000
↓ -11,000,000 7.26% Govt Stock 2033
Sovereign Bonds | -3% ₹160 Cr 15,500,000 Small Industries Development Bank Of India
Debentures | -2% ₹150 Cr 15,000 Power Finance Corp Ltd. 7.6%
Debentures | -2% ₹136 Cr 13,500 7.32% Govt Stock 2030
Sovereign Bonds | -2% ₹132 Cr 12,864,500 Kohima Mariani Transmission Limited
Debentures | -2% ₹118 Cr 11,800 7.93% Govt Stock 2033
Sovereign Bonds | -2% ₹108 Cr 10,500,000 5. UTI Gilt Advantage Fund- LTP - Direct
CAGR/Annualized return of 8.3% since its launch. Return for 2024 was 9.2% , 2023 was 7% and 2022 was 3.2% . UTI Gilt Advantage Fund- LTP - Direct
Growth Launch Date 1 Jan 13 NAV (17 Jan 25) ₹62.3592 ↓ -0.09 (-0.14 %) Net Assets (Cr) ₹645 on 30 Nov 24 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating Risk Moderate Expense Ratio 0.66 Sharpe Ratio 1.22 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.01% Effective Maturity 23 Years 1 Month 10 Days Modified Duration 10 Years 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,058 31 Dec 21 ₹11,341 31 Dec 22 ₹11,708 31 Dec 23 ₹12,523 31 Dec 24 ₹13,675 Returns for UTI Gilt Advantage Fund- LTP - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month -0.1% 3 Month 0.7% 6 Month 3.5% 1 Year 8.5% 3 Year 6.5% 5 Year 6.4% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 9.2% 2022 7% 2021 3.2% 2020 2.6% 2019 10.6% 2018 12.1% 2017 6.6% 2016 4.5% 2015 15.8% 2014 6.4% Fund Manager information for UTI Gilt Advantage Fund- LTP - Direct
Name Since Tenure Sudhir Agarwal 1 Dec 21 3.09 Yr. Data below for UTI Gilt Advantage Fund- LTP - Direct as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 2.16% Debt 97.84% Debt Sector Allocation
Sector Value Government 97.84% Cash Equivalent 2.16% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.92% Govt Stock 2039
Sovereign Bonds | -20% ₹131 Cr 1,300,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -18% ₹119 Cr 1,150,000,000 7.23% Govt Stock 2039
Sovereign Bonds | -16% ₹103 Cr 1,000,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -16% ₹101 Cr 1,000,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -12% ₹75 Cr 750,000,000
↑ 50,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -7% ₹47 Cr 450,000,000 7.46% Govt Stock 2073
Sovereign Bonds | -5% ₹32 Cr 300,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹26 Cr 250,000,000 Net Current Assets
Net Current Assets | -2% ₹12 Cr Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -0% ₹2 Cr 00 6. HDFC Floating Rate Income Fund - Short Term Plan - Direct
CAGR/Annualized return of 7.9% since its launch. Return for 2024 was 8.5% , 2023 was 7.9% and 2022 was 4.8% . HDFC Floating Rate Income Fund - Short Term Plan - Direct
Growth Launch Date 1 Jan 13 NAV (17 Jan 25) ₹48.9186 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹15,104 on 30 Nov 24 Category Debt - Floating Rate AMC HDFC Asset Management Company Limited Rating Risk Moderately Low Expense Ratio 0.25 Sharpe Ratio 3.78 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 7.63% Effective Maturity 4 Years 3 Months 21 Days Modified Duration 1 Year 4 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,937 31 Dec 21 ₹11,415 31 Dec 22 ₹11,966 31 Dec 23 ₹12,907 31 Dec 24 ₹14,010
Purchase not allowed Returns for HDFC Floating Rate Income Fund - Short Term Plan - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 4.1% 1 Year 8.5% 3 Year 7.1% 5 Year 7% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.5% 2022 7.9% 2021 4.8% 2020 4.4% 2019 9.4% 2018 8.7% 2017 7.4% 2016 7% 2015 9.1% 2014 8.9% Fund Manager information for HDFC Floating Rate Income Fund - Short Term Plan - Direct
Name Since Tenure Shobhit Mehrotra 23 Oct 07 17.21 Yr. Dhruv Muchhal 22 Jun 23 1.53 Yr. Data below for HDFC Floating Rate Income Fund - Short Term Plan - Direct as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 10.07% Debt 89.65% Other 0.28% Debt Sector Allocation
Sector Value Corporate 45.85% Government 44.77% Cash Equivalent 9.11% Credit Quality
Rating Value AA 15.06% AAA 84.94% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.53% Govt Stock 2034
Sovereign Bonds | -16% ₹2,397 Cr 238,000,000 7.93% Govt Stock 2033
Sovereign Bonds | -9% ₹1,275 Cr 124,141,200 7.98% Govt Stock 2031
Sovereign Bonds | -4% ₹658 Cr 65,000,000 7.3% Govt Stock 2028
Sovereign Bonds | -4% ₹577 Cr 57,500,000 Aadhar Housing Finance Limited
Debentures | -2% ₹352 Cr 35,000 Small Industries Development Bank Of India
Debentures | -2% ₹304 Cr 30,500 Power Finance Corporation Ltd.
Debentures | -2% ₹301 Cr 30,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹251 Cr 25,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹250 Cr 25,000 Small Industries Development Bank Of India
Debentures | -2% ₹224 Cr 2,250 7. UTI Short Term Income Fund - Direct
CAGR/Annualized return of 7.4% since its launch. Return for 2024 was 8.4% , 2023 was 7.6% and 2022 was 4.4% . UTI Short Term Income Fund - Direct
Growth Launch Date 1 Jan 13 NAV (17 Jan 25) ₹32.3437 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹2,640 on 30 Nov 24 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating Risk Moderate Expense Ratio 0.33 Sharpe Ratio 2.42 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.53% Effective Maturity 3 Years 8 Months 5 Days Modified Duration 2 Years 9 Months 11 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,097 31 Dec 21 ₹12,100 31 Dec 22 ₹12,634 31 Dec 23 ₹13,593 31 Dec 24 ₹14,737 Returns for UTI Short Term Income Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 4% 1 Year 8.2% 3 Year 6.8% 5 Year 8% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.4% 2022 7.6% 2021 4.4% 2020 9% 2019 11% 2018 -3.5% 2017 6.6% 2016 6.6% 2015 10.6% 2014 8.9% Fund Manager information for UTI Short Term Income Fund - Direct
Name Since Tenure Sudhir Agarwal 25 Oct 12 12.19 Yr. Data below for UTI Short Term Income Fund - Direct as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 16.46% Debt 83.27% Other 0.27% Debt Sector Allocation
Sector Value Corporate 69.48% Government 15.69% Cash Equivalent 14.56% Credit Quality
Rating Value AA 11.47% AAA 88.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Housing Bank
Debentures | -8% ₹211 Cr 21,000 LIC Housing Finance Limited
Debentures | -7% ₹176 Cr 1,750 Small Industries Development Bank Of India
Debentures | -7% ₹176 Cr 17,500 National Bank For Agriculture And Rural Development
Debentures | -7% ₹176 Cr 17,500 Power Finance Corporation Ltd.
Debentures | -7% ₹175 Cr 17,500 Bajaj Finance Limited
Debentures | -4% ₹101 Cr 10,000 7.23% Govt Stock 2039
Sovereign Bonds | -3% ₹88 Cr 850,000,000 Kotak Mahindra Prime Limited
Debentures | -3% ₹75 Cr 750 Shriram Finance Limited
Debentures | -3% ₹70 Cr 7,000 Rec Limited
Debentures | -2% ₹60 Cr 6,000 8. Franklin India Income Builder Account - Plan A - Direct
CAGR/Annualized return of 8.3% since its launch. Return for 2024 was 8.2% , 2023 was 7.1% and 2022 was 3.7% . Franklin India Income Builder Account - Plan A - Direct
Growth Launch Date 1 Jan 13 NAV (17 Jan 25) ₹101.983 ↓ -0.12 (-0.12 %) Net Assets (Cr) ₹756 on 15 Dec 24 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderate Expense Ratio 0.24 Sharpe Ratio 2.82 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 7.58% Effective Maturity 4 Years 2 Months 4 Days Modified Duration 2 Years 9 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,965 31 Dec 21 ₹11,441 31 Dec 22 ₹11,867 31 Dec 23 ₹12,713 31 Dec 24 ₹13,756 Returns for Franklin India Income Builder Account - Plan A - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month 0.3% 3 Month 1.6% 6 Month 4% 1 Year 8% 3 Year 6.4% 5 Year 6.5% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.2% 2022 7.1% 2021 3.7% 2020 4.3% 2019 9.7% 2018 9.8% 2017 8.1% 2016 8.3% 2015 9.7% 2014 9.3% Fund Manager information for Franklin India Income Builder Account - Plan A - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 1.24 Yr. Anuj Tagra 7 Mar 24 0.82 Yr. Chandni Gupta 7 Mar 24 0.82 Yr. Data below for Franklin India Income Builder Account - Plan A - Direct as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 4.01% Debt 95.72% Other 0.27% Debt Sector Allocation
Sector Value Corporate 77.27% Government 18.44% Cash Equivalent 4.01% Credit Quality
Rating Value AA 13.05% AAA 86.95% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.53% Govt Stock 2034
Sovereign Bonds | -7% ₹56 Cr 5,500,000 ICICI Home Finance Company Limited
Debentures | -7% ₹53 Cr 5,000 Pipeline Infrastructure Private Limited
Debentures | -7% ₹52 Cr 5,000 Summit Digitel Infrastructure Ltd
Debentures | -7% ₹52 Cr 5,000 Sikka Ports & Terminals Limited
Debentures | -7% ₹52 Cr 500 Mankind Pharma Ltd
Debentures | -7% ₹51 Cr 5,000 Rural Electrification Corporation Limited
Debentures | -7% ₹50 Cr 9,000 6.79% Govt Stock 2034
Sovereign Bonds | -5% ₹36 Cr 3,515,500
↑ 3,500,000 Bajaj Finance Limited
Debentures | -4% ₹27 Cr 2,500 Bajaj Finance Ltd. 8.1167%
Debentures | -4% ₹27 Cr 2,500 9. Franklin India Banking And PSU Debt Fund - Direct
CAGR/Annualized return of 7.8% since its launch. Return for 2024 was 8.1% , 2023 was 7.2% and 2022 was 3.6% . Franklin India Banking And PSU Debt Fund - Direct
Growth Launch Date 25 Apr 14 NAV (17 Jan 25) ₹22.4761 ↓ -0.02 (-0.08 %) Net Assets (Cr) ₹576 on 30 Nov 24 Category Debt - Banking & PSU Debt AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderate Expense Ratio 0.19 Sharpe Ratio 2.42 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 7.42% Effective Maturity 4 Years 1 Month 24 Days Modified Duration 2 Years 8 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,948 31 Dec 21 ₹11,390 31 Dec 22 ₹11,803 31 Dec 23 ₹12,652 31 Dec 24 ₹13,671
Purchase not allowed Returns for Franklin India Banking And PSU Debt Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.9% 1 Year 7.9% 3 Year 6.3% 5 Year 6.4% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.1% 2022 7.2% 2021 3.6% 2020 4% 2019 9.5% 2018 11.6% 2017 7.3% 2016 6.8% 2015 10.2% 2014 7.9% Fund Manager information for Franklin India Banking And PSU Debt Fund - Direct
Name Since Tenure Anuj Tagra 7 Mar 24 0.82 Yr. Chandni Gupta 7 Mar 24 0.82 Yr. Sandeep Manam 18 Oct 21 3.21 Yr. Data below for Franklin India Banking And PSU Debt Fund - Direct as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 0.99% Debt 98.69% Other 0.32% Debt Sector Allocation
Sector Value Corporate 64.65% Government 34.03% Cash Equivalent 0.99% Credit Quality
Rating Value AA 5.65% AAA 94.35% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.53% Govt Stock 2034
Sovereign Bonds | -7% ₹41 Cr 4,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -6% ₹36 Cr 3,515,500
↑ 2,000,000 ICICI Bank Limited
Debentures | -6% ₹35 Cr 350 Rural Electrification Corporation Limited
Debentures | -6% ₹33 Cr 6,000 Ongc Petro Additions Ltd.
Debentures | -6% ₹32 Cr 3,000 Small Industries Development Bank Of India
Debentures | -5% ₹27 Cr 2,500 Bajaj Finance Limited
Debentures | -5% ₹27 Cr 2,500 National Bank For Agriculture And Rural Development
Debentures | -5% ₹27 Cr 2,500 Power Finance Corporation Ltd.
Debentures | -5% ₹27 Cr 2,500 Power Finance Corporation Ltd.
Debentures | -5% ₹26 Cr 2,500 10. Franklin India Savings Plus Fund Retail Option - Direct
CAGR/Annualized return of 7.5% since its launch. Return for 2024 was 7.8% , 2023 was 7.4% and 2022 was 4.6% . Franklin India Savings Plus Fund Retail Option - Direct
Growth Launch Date 1 Jan 13 NAV (17 Jan 25) ₹49.9508 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹2,706 on 30 Nov 24 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderately Low Expense Ratio 0.11 Sharpe Ratio 3.73 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.44% Effective Maturity 5 Months 1 Day Modified Duration 4 Months 20 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,616 31 Dec 21 ₹11,014 31 Dec 22 ₹11,519 31 Dec 23 ₹12,377 31 Dec 24 ₹13,345 Returns for Franklin India Savings Plus Fund Retail Option - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.7% 1 Year 7.8% 3 Year 6.7% 5 Year 6% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.8% 2022 7.4% 2021 4.6% 2020 3.7% 2019 6.2% 2018 8.6% 2017 7.7% 2016 7.3% 2015 8.5% 2014 9% Fund Manager information for Franklin India Savings Plus Fund Retail Option - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 1.24 Yr. Rohan Maru 10 Oct 24 0.23 Yr. Chandni Gupta 30 Apr 24 0.67 Yr. Data below for Franklin India Savings Plus Fund Retail Option - Direct as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 93.72% Debt 6.13% Other 0.15% Debt Sector Allocation
Sector Value Cash Equivalent 67.75% Corporate 28.04% Government 4.06% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 DTB 28082025
Sovereign Bonds | -2% ₹59 Cr 6,151,200 Axis Bank Ltd.
Debentures | -2% ₹56 Cr 1,200 5.22% Govt Stock 2025
Sovereign Bonds | -2% ₹51 Cr 5,000,000 Corporate Debt Market Development Fund Class A2
Investment Fund | -0% ₹4 Cr 3,966 Call, Cash & Other Assets
CBLO | -12% ₹320 Cr Canara Bank
Certificate of Deposit | -5% ₹123 Cr 2,500 Indian Bank
Certificate of Deposit | -4% ₹98 Cr 2,000 Bank Of Baroda
Certificate of Deposit | -4% ₹97 Cr 2,000 Axis Bank Limited
Certificate of Deposit | -4% ₹97 Cr 2,000 Bharti Telecom Limited
Commercial Paper | -3% ₹94 Cr 2,000
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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