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সেরা দীর্ঘমেয়াদী বন্ড তহবিল খুঁজছেন? এই বিনিয়োগকারীদের জন্য তহবিল যারা মধ্য থেকে দীর্ঘমেয়াদী খুঁজছেনবিনিয়োগ পরিকল্পনা, সাধারণত 3-5 বছরের জন্য। দীর্ঘমেয়াদী বন্ড তহবিল প্রধানত G-sec এবং কর্পোরেট বিনিয়োগ করেবন্ড যেগুলো মাঝারি থেকে দীর্ঘ পরিপক্কতার সময়কাল আছে।
এই তহবিলগুলি সুদের হার পরিবর্তনের জন্য সংবেদনশীল এবং অন্যান্য ঋণ বিভাগের তুলনায় আরও অস্থির হতে পারে।
ঋণের সিকিউরিটিজের সুদের হার এবং দামের মধ্যে একটি বিপরীত সম্পর্ক রয়েছে, যার মানে তারা বিপরীত দিকে চলে। উদাহরণস্বরূপ, একটি পতনশীল সুদের হার বন্ড তহবিলের জন্য ভাল। সুদের হার কমার সময়, বন্ডের দাম বেড়ে যায় এবং এই বৃদ্ধি পায়এনএভি এরঋণ তহবিল স্কিম
যেহেতু সুদের হার হ্রাস দীর্ঘমেয়াদী সিকিউরিটিজের দাম বৃদ্ধির কারণ হয়, তাই বিনিয়োগ করার পরামর্শ দেওয়া হয়দীর্ঘমেয়াদী ঋণ তহবিল যখন সুদের হার কমবে বলে আশা করা হচ্ছে। যে বিনিয়োগকারীরা দীর্ঘ সময়ের জন্য বিনিয়োগ করতে চান (যেমন, 3 বছর এবং তার বেশি), এবং কিছু স্তরের ঝুঁকি নিতে পারেন, তাদের আদর্শভাবে এই স্কিমে বিনিয়োগ করা উচিত।
তদুপরি, বিনিয়োগকারীরা যারা সুদের হার ওঠানামায় স্বাচ্ছন্দ্য বোধ করেনবাজার এই বিনিয়োগের সাথে এগিয়ে যেতে পারেন. 2022 সালের জন্য এখানে শীর্ষ 10টি সেরা দীর্ঘমেয়াদী বন্ড তহবিল রয়েছে।
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Fund NAV Net Assets (Cr) Min Investment Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity ICICI Prudential Long Term Bond Fund Growth ₹85.8658
↑ 0.01 ₹1,031 5,000 1,000 1.3 4.5 9.9 5.8 6.8 7.1% 6Y 9M 29D 10Y 29D IDFC Bond Fund Long Term Plan Growth ₹62.5726
↓ -0.05 ₹486 5,000 1,000 0.7 3.3 7.7 4.7 6 7.26% 6Y 9M 15Y 3M 7D HDFC Income Fund Growth ₹55.672
↓ -0.03 ₹861 5,000 300 1 3.9 8.8 5.1 6.1 7.12% 6Y 8M 15D 11Y 4M 26D UTI Bond Fund Growth ₹70.2376
↓ 0.00 ₹314 1,000 500 1.2 4 8.4 8.1 6.4 7.34% 6Y 8M 1D 10Y 5M 19D Nippon India Income Fund Growth ₹86.0242
↓ -0.04 ₹399 5,000 100 0.8 3.7 7.9 6 6.8 7.03% 6Y 6M 25D 11Y 8M 26D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Dec 24
(Erstwhile ICICI Prudential Income Plan) To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. ICICI Prudential Long Term Bond Fund is a Debt - Longterm Bond fund was launched on 9 Jul 98. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Long Term Bond Fund Returns up to 1 year are on (Erstwhile IDFC Super Saver Income Fund - Investment Plan) The primary investment objective of the scheme is to seek to generate stable returns with a low-risk strategy by creating a portfolio that is invested in good quality fixed income & Money Market securities. However, there can be no assurance that the investment objectives of the scheme will be realized. IDFC Bond Fund Long Term Plan is a Debt - Longterm Bond fund was launched on 14 Jul 00. It is a fund with Moderate risk and has given a Below is the key information for IDFC Bond Fund Long Term Plan Returns up to 1 year are on Aims to optimise returns while maintaining a balance of safety, yield and liquidity. HDFC Income Fund is a Debt - Medium to Long term fund was launched on 11 Sep 00. It is a fund with Moderate risk and has given a Below is the key information for HDFC Income Fund Returns up to 1 year are on (Erstwhile UTI - Bond Fund) The Scheme will retain the flexibility to invest in the entire range of debt and money market instruments. The flexibility is being retained to adjust the portfolio in response to a change in the risk to return equation for asset classes under investment, with a view to maintain risks within manageable limits. UTI Bond Fund is a Debt - Medium to Long term fund was launched on 4 May 98. It is a fund with Moderate risk and has given a Below is the key information for UTI Bond Fund Returns up to 1 year are on The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in Debt & Money Market Instruments. Nippon India Income Fund is a Debt - Medium to Long term fund was launched on 1 Jan 98. It is a fund with Moderate risk and has given a Below is the key information for Nippon India Income Fund Returns up to 1 year are on 1. ICICI Prudential Long Term Bond Fund
CAGR/Annualized
return of 8.5% since its launch. Ranked 12 in Longterm Bond
category. Return for 2023 was 6.8% , 2022 was 1.3% and 2021 was 0.4% . ICICI Prudential Long Term Bond Fund
Growth Launch Date 9 Jul 98 NAV (20 Dec 24) ₹85.8658 ↑ 0.01 (0.01 %) Net Assets (Cr) ₹1,031 on 15 Dec 24 Category Debt - Longterm Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.97 Sharpe Ratio 1.92 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.1% Effective Maturity 10 Years 29 Days Modified Duration 6 Years 9 Months 29 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,143 30 Nov 21 ₹11,297 30 Nov 22 ₹11,331 30 Nov 23 ₹11,968 30 Nov 24 ₹13,284 Returns for ICICI Prudential Long Term Bond Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Dec 24 Duration Returns 1 Month 0.7% 3 Month 1.3% 6 Month 4.5% 1 Year 9.9% 3 Year 5.8% 5 Year 5.9% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.8% 2022 1.3% 2021 0.4% 2020 11% 2019 12.1% 2018 6.8% 2017 4.1% 2016 15.7% 2015 5.1% 2014 16.9% Fund Manager information for ICICI Prudential Long Term Bond Fund
Name Since Tenure Manish Banthia 22 Jan 24 0.86 Yr. Raunak Surana 22 Jan 24 0.86 Yr. Data below for ICICI Prudential Long Term Bond Fund as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 2.33% Debt 97.45% Other 0.21% Debt Sector Allocation
Sector Value Government 77.27% Corporate 20.18% Cash Equivalent 2.33% Credit Quality
Rating Value AA 5.4% AAA 94.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -36% ₹366 Cr 36,056,200
↓ -5,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -20% ₹205 Cr 20,103,830
↓ -500,000 HDFC Bank Limited
Debentures | -8% ₹76 Cr 7,500 Government Of India 6.92%
Sovereign Bonds | -7% ₹76 Cr 7,563,500
↑ 7,563,500 7.18% Govt Stock 2033
Sovereign Bonds | -6% ₹64 Cr 6,237,500 The Great Eastern Shipping Company Limited
Debentures | -5% ₹53 Cr 536 LIC Housing Finance Limited
Debentures | -5% ₹51 Cr 500 7.23% Govt Stock 2039
Sovereign Bonds | -5% ₹46 Cr 4,500,000
↑ 4,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -3% ₹30 Cr 2,972,700 LIC Housing Finance Limited
Debentures | -2% ₹25 Cr 2,500 2. IDFC Bond Fund Long Term Plan
CAGR/Annualized
return of 7.8% since its launch. Return for 2023 was 6% , 2022 was 0.6% and 2021 was 1.2% . IDFC Bond Fund Long Term Plan
Growth Launch Date 14 Jul 00 NAV (20 Dec 24) ₹62.5726 ↓ -0.05 (-0.08 %) Net Assets (Cr) ₹486 on 15 Dec 24 Category Debt - Longterm Bond AMC IDFC Asset Management Company Limited Rating Risk Moderate Expense Ratio 1.98 Sharpe Ratio 0.88 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 7.26% Effective Maturity 15 Years 3 Months 7 Days Modified Duration 6 Years 9 Months Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,115 30 Nov 21 ₹11,344 30 Nov 22 ₹11,375 30 Nov 23 ₹11,929 30 Nov 24 ₹12,985 Returns for IDFC Bond Fund Long Term Plan
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Dec 24 Duration Returns 1 Month 0.4% 3 Month 0.7% 6 Month 3.3% 1 Year 7.7% 3 Year 4.7% 5 Year 5.4% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 6% 2022 0.6% 2021 1.2% 2020 11.8% 2019 10.4% 2018 6.6% 2017 3.1% 2016 12.9% 2015 5.9% 2014 15.5% Fund Manager information for IDFC Bond Fund Long Term Plan
Name Since Tenure Suyash Choudhary 15 Oct 10 14.14 Yr. Brijesh Shah 10 Jun 24 0.48 Yr. Data below for IDFC Bond Fund Long Term Plan as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 14.25% Debt 85.47% Other 0.27% Debt Sector Allocation
Sector Value Government 71.09% Corporate 18.46% Cash Equivalent 10.18% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -36% ₹176 Cr 17,000,000
↑ 500,000 7.18% Govt Stock 2033
Sovereign Bonds | -27% ₹132 Cr 13,000,000
↓ -1,000,000 Tata Capital Financial Services Limited
Debentures | -9% ₹42 Cr 4,200,000 Bajaj Housing Finance Ltd. 8.04%
Debentures | -5% ₹25 Cr 2,500,000 National Bank For Agriculture And Rural Development
Debentures | -5% ₹25 Cr 2,500,000 7.17% Govt Stock 2030
Sovereign Bonds | -2% ₹8 Cr 800,000
↑ 500,000 Rec Limited
Debentures | -0% ₹2 Cr 200,000 Corporate Debt Market Development Fund Class A2
Investment Fund | -0% ₹1 Cr 1,254 6.79% Govt Stock 2027
Sovereign Bonds | -0% ₹1 Cr 100,000 7.73% Govt Stock 2034
Sovereign Bonds | -0% ₹0 Cr 37,500 3. HDFC Income Fund
CAGR/Annualized
return of 7.3% since its launch. Ranked 29 in Medium to Long term
category. Return for 2023 was 6.1% , 2022 was 0.9% and 2021 was 2.1% . HDFC Income Fund
Growth Launch Date 11 Sep 00 NAV (20 Dec 24) ₹55.672 ↓ -0.03 (-0.05 %) Net Assets (Cr) ₹861 on 30 Nov 24 Category Debt - Medium to Long term AMC HDFC Asset Management Company Limited Rating ☆☆ Risk Moderate Expense Ratio 1.53 Sharpe Ratio 1.38 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Months (0.25%),1 Months and above(NIL) Yield to Maturity 7.12% Effective Maturity 11 Years 4 Months 26 Days Modified Duration 6 Years 8 Months 15 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,898 30 Nov 21 ₹11,207 30 Nov 22 ₹11,265 30 Nov 23 ₹11,831 30 Nov 24 ₹12,985 Returns for HDFC Income Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Dec 24 Duration Returns 1 Month 0.6% 3 Month 1% 6 Month 3.9% 1 Year 8.8% 3 Year 5.1% 5 Year 5.4% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.1% 2022 0.9% 2021 2.1% 2020 9.3% 2019 8.7% 2018 3.6% 2017 1.3% 2016 14.5% 2015 5.3% 2014 15.7% Fund Manager information for HDFC Income Fund
Name Since Tenure Shobhit Mehrotra 11 Sep 07 17.24 Yr. Dhruv Muchhal 22 Jun 23 1.45 Yr. Data below for HDFC Income Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 3.57% Debt 96.18% Other 0.24% Debt Sector Allocation
Sector Value Government 83.97% Corporate 11.74% Cash Equivalent 3.57% Securitized 0.46% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2037
Sovereign Bonds | -20% ₹174 Cr 17,000,000 7.41% Govt Stock 2036
Sovereign Bonds | -12% ₹104 Cr 10,000,000 7.54% Govt Stock 2036
Sovereign Bonds | -12% ₹100 Cr 9,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -9% ₹77 Cr 7,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹61 Cr 6,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹29 Cr 2,879,300 Ntpc Limited
Debentures | -3% ₹26 Cr 250 7.98% Govt Stock 2031
Sovereign Bonds | -3% ₹26 Cr 2,500,000 7.53% Govt Stock 2034
Sovereign Bonds | -3% ₹25 Cr 2,500,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -3% ₹25 Cr 2,500 4. UTI Bond Fund
CAGR/Annualized
return of 7.6% since its launch. Ranked 11 in Medium to Long term
category. Return for 2023 was 6.4% , 2022 was 9.9% and 2021 was 9.4% . UTI Bond Fund
Growth Launch Date 4 May 98 NAV (20 Dec 24) ₹70.2376 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹314 on 30 Nov 24 Category Debt - Medium to Long term AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.62 Sharpe Ratio 1.2 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.34% Effective Maturity 10 Years 5 Months 19 Days Modified Duration 6 Years 8 Months 1 Day Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,096 30 Nov 21 ₹11,098 30 Nov 22 ₹12,139 30 Nov 23 ₹12,818 30 Nov 24 ₹13,994 Returns for UTI Bond Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Dec 24 Duration Returns 1 Month 0.6% 3 Month 1.2% 6 Month 4% 1 Year 8.4% 3 Year 8.1% 5 Year 7% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.4% 2022 9.9% 2021 9.4% 2020 1.1% 2019 -5.8% 2018 4% 2017 3.6% 2016 13.9% 2015 6.3% 2014 15.6% Fund Manager information for UTI Bond Fund
Name Since Tenure Sunil Patil 17 Apr 23 1.63 Yr. Data below for UTI Bond Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 2.11% Debt 97.64% Other 0.25% Debt Sector Allocation
Sector Value Government 59.31% Corporate 38.33% Cash Equivalent 2.11% Credit Quality
Rating Value AA 11.48% AAA 88.52% Top Securities Holdings / Portfolio
Name Holding Value Quantity Government Of India 6.92%
Sovereign Bonds | -56% ₹176 Cr 1,750,000,000
↑ 1,550,000,000 LIC Housing Finance Limited
Debentures | -8% ₹25 Cr 250 Hdb Financial Services Ltd.
Debentures | -8% ₹25 Cr 250 Jamnagar Utilities And Power Private Limited
Debentures | -6% ₹20 Cr 2,000 Aditya Birla Renewables Limited
Debentures | -5% ₹15 Cr 1,500 Cholamandalam Investment And Finance Company Limited
Debentures | -5% ₹15 Cr 1,500 INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -5% ₹15 Cr 15 07.78 RJ Sdl 2033
Sovereign Bonds | -2% ₹5 Cr 50,000,000 07.74 MH Sgs 2033
Sovereign Bonds | -2% ₹5 Cr 50,000,000 Mankind Pharma Ltd
Debentures | -2% ₹5 Cr 500 5. Nippon India Income Fund
CAGR/Annualized
return of 8.3% since its launch. Ranked 28 in Medium to Long term
category. Return for 2023 was 6.8% , 2022 was 3.3% and 2021 was 1.2% . Nippon India Income Fund
Growth Launch Date 1 Jan 98 NAV (20 Dec 24) ₹86.0242 ↓ -0.04 (-0.05 %) Net Assets (Cr) ₹399 on 30 Nov 24 Category Debt - Medium to Long term AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.43 Sharpe Ratio 0.95 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 7.03% Effective Maturity 11 Years 8 Months 26 Days Modified Duration 6 Years 6 Months 25 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,030 30 Nov 21 ₹11,275 30 Nov 22 ₹11,551 30 Nov 23 ₹12,225 30 Nov 24 ₹13,322 Returns for Nippon India Income Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Dec 24 Duration Returns 1 Month 0.6% 3 Month 0.8% 6 Month 3.7% 1 Year 7.9% 3 Year 6% 5 Year 6% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.8% 2022 3.3% 2021 1.2% 2020 10.5% 2019 11.4% 2018 6.1% 2017 2.4% 2016 13.8% 2015 5.1% 2014 14.8% Fund Manager information for Nippon India Income Fund
Name Since Tenure Vivek Sharma 1 Feb 20 4.84 Yr. Kinjal Desai 25 May 18 6.53 Yr. Data below for Nippon India Income Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 9.47% Debt 90.31% Other 0.22% Debt Sector Allocation
Sector Value Government 80.17% Corporate 10.14% Cash Equivalent 9.47% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2037
Sovereign Bonds | -21% ₹82 Cr 8,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -13% ₹51 Cr 5,000,000
↓ -1,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -13% ₹50 Cr 5,000,000 7.1% Govt Stock 2029
Sovereign Bonds | -10% ₹41 Cr 4,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -7% ₹26 Cr 2,500,000 7.32% Govt Stock 2030
Sovereign Bonds | -7% ₹26 Cr 2,500,000 7.1% Govt Stock 2034
Sovereign Bonds | -6% ₹26 Cr 2,500,000 Small Industries Development Bank Of India
Debentures | -6% ₹25 Cr 2,500 LIC Housing Finance Ltd
Debentures | -4% ₹15 Cr 150 National Bank For Agriculture And Rural Development
Debentures | -3% ₹10 Cr 1,000
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