Table of Contents

মাঝারি থেকে দীর্ঘ মেয়াদী মিউচুয়াল ফান্ড ওভারভিউ
ডেট মিউচুয়াল ফান্ডে ট্যাক্সেশন
- স্বল্পমেয়াদী মূলধন লাভ
- দীর্ঘমেয়াদী মূলধন লাভ
শীর্ষ 11টি সেরা পারফর্মিং মিডিয়াম থেকে দীর্ঘ মেয়াদী ফান্ড 22 - 23 FY
কিভাবে মাঝারি থেকে দীর্ঘ মেয়াদী ফান্ডে বিনিয়োগ করবেন?
Top 9 Debt - Medium to Long term

সেরা মাঝারি থেকে দীর্ঘ মেয়াদী তহবিল 2022

Updated on November 11, 2024 , 1914 views

4 থেকে 7 বছরের মধ্যে অর্থ বিনিয়োগ করতে চাইছেন, কিন্তু চান নাবাজার অস্থিরতা আপনার বিনিয়োগ প্রভাবিত করতে? তারপর এখানে একটি তহবিল যা আপনাকে দেখতে হবে। মাঝারি থেকে দীর্ঘ মেয়াদী তহবিল হল এক ধরনের ঋণ তহবিল যার ম্যাকাওলে মেয়াদ 4 থেকে 7 বছরের মধ্যে থাকে। সুতরাং, আপনি যদি মধ্য থেকে দীর্ঘ মেয়াদে আপনার সম্পদ থেকে সর্বোত্তম আয় করতে চান, তাহলে মাঝারি থেকে দীর্ঘ মেয়াদী তহবিল আপনার জন্য একটি আদর্শ তহবিল হতে পারে।

মাঝারি থেকে দীর্ঘ মেয়াদী মিউচুয়াল ফান্ড ওভারভিউ

মাঝারি থেকে দীর্ঘ মেয়াদী তহবিল ঋণে বিনিয়োগ করে এবংঅর্থ বাজার যে যন্ত্রগুলির গড় পরিপক্কতা 4 থেকে 7 বছরের মধ্যে (ম্যাকলে সময়কাল)। এই তহবিলগুলি আরও ভাল রিটার্ন প্রদান করতে পারে, তবে সুদের হার পরিবর্তনের জন্য আরও সংবেদনশীল হতে পারে। যখন সুদের হার বাড়ে তখন বন্ডের দাম পড়ে এবং এর বিপরীতে। যেমন ঋণ তহবিল সুদের হার ওঠানামা উন্মুক্ত করা হয়, এটি দাম বিরক্তঅন্তর্নিহিত বন্ড তহবিল পোর্টফোলিওতে।

যে বিনিয়োগকারীরা মাঝারি থেকে দীর্ঘ মেয়াদী তহবিলে বিনিয়োগ করতে চান তাদের কিছু স্তরের ঝুঁকি সহ্য করতে সক্ষম হওয়া উচিত, কারণ এই ধরনের ঋণ তহবিল সম্পূর্ণ ঝুঁকিমুক্ত নয়। ঋণ তহবিলে স্বল্প মেয়াদ, স্বল্প মেয়াদ, মাঝারি মেয়াদ, মাঝারি থেকে দীর্ঘ সময়কাল এবং দীর্ঘ মেয়াদী তহবিল থেকে শুরু করে বিভিন্ন পরিপক্কতার স্কিমগুলির একটি পছন্দ রয়েছে। ঋণ তহবিলে তাদের বিনিয়োগ থেকে সর্বোত্তম লাভ করতে, বিনিয়োগকারীদের তাদের পরিপক্কতার সময়ের উপর ভিত্তি করে বিনিয়োগের সিদ্ধান্ত নিতে হবে। যেমন বলেছেন, আপনি যদি এক বছরের সময়সীমার দিকে তাকাচ্ছেনবিনিয়োগ পরিকল্পনা, তারপর, একটি সংক্ষিপ্ত সময়কালঋণ তহবিল আদর্শভাবে উপযুক্ত হতে পারে।

ডেট মিউচুয়াল ফান্ডে ট্যাক্সেশন

ঋণ তহবিলের উপর ট্যাক্সের প্রভাব নিম্নলিখিত পদ্ধতিতে গণনা করা হয়-

স্বল্পমেয়াদী মূলধন লাভ

যদি একটি ঋণ বিনিয়োগের হোল্ডিং পিরিয়ড 36 মাসের কম হয়, তাহলে এটি একটি স্বল্প-মেয়াদী বিনিয়োগ হিসাবে শ্রেণীবদ্ধ করা হয় এবং এগুলি ব্যক্তির ট্যাক্স স্ল্যাব অনুযায়ী কর দেওয়া হয়।

দীর্ঘমেয়াদী মূলধন লাভ

যদি ঋণ বিনিয়োগের হোল্ডিং পিরিয়ড 36 মাসের বেশি হয়, তবে এটি একটি দীর্ঘমেয়াদী বিনিয়োগ হিসাবে শ্রেণীবদ্ধ করা হয় এবং একটি সূচক সুবিধা সহ 20% হারে কর দেওয়া হয়।

মূলধন লাভ	বিনিয়োগ হোল্ডিং লাভ	ট্যাক্সেশন
স্বল্পমেয়াদীমূলধন লাভ	36 মাসেরও কম	ব্যক্তির ট্যাক্স স্ল্যাব অনুযায়ী
দীর্ঘমেয়াদী মূলধন লাভ	36 মাসেরও বেশি	ইনডেক্সেশন সুবিধা সহ 20%

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শীর্ষ 11টি সেরা পারফর্মিং মিডিয়াম থেকে দীর্ঘ মেয়াদী ফান্ড 22 - 23 FY

Fund	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
HDFC Income Fund Growth	1.8	4.7	9.7	5.1	6.1	0.04%	6Y 6M 14D	11Y 1M 28D
LIC MF Bond Fund Growth	2.1	4.9	9.4	5.9	6.5	7.1%	6Y 1M 17D	8Y 3M 4D
Aditya Birla Sun Life Income Fund Growth	2	4.8	9.1	5.6	6.6	7.27%	6Y 6M 14D	15Y 2M 1D
Kotak Bond Fund Growth	1.8	4.6	9.1	5.4	6.8	7.05%	6Y 5M 16D	13Y 10M 28D
ICICI Prudential Bond Fund Growth	2.1	4.8	9	6.1	7.7	7.26%	4Y 8M 12D	7Y 7M 10D
UTI Bond Fund Growth	2	4.7	9	7.9	6.4	7.32%	6Y 4M 2D	9Y 7M 24D
Nippon India Income Fund Growth	1.7	4.5	8.9	5.7	6.8	6.92%	6Y 6M 29D	10Y 10M 6D
SBI Magnum Income Fund Growth	2	4.6	8.6	5.9	7.2	7.64%	6Y 8M 19D	15Y 1M 6D
Canara Robeco Income Fund Growth	1.5	4.3	8.3	4.7	5.6	6.9%	6Y 2M 27D	13Y 11M 15D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Nov 24

1. HDFC Income Fund

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 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% .

Below is the key information for HDFC Income Fund

HDFC Income Fund Growth
Launch Date	11 Sep 00
NAV (13 Nov 24)	₹55.381 ↓ -0.03 (-0.05 %)
Net Assets (Cr)	₹869 on 15 Oct 24
Category	Debt - Medium to Long term
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.53
Sharpe Ratio	1.27
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	0.04%
Effective Maturity	11 Years 1 Month 28 Days
Modified Duration	6 Years 6 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,910
31 Oct 21	₹11,213
31 Oct 22	₹11,225
31 Oct 23	₹11,821
31 Oct 24	₹13,020

HDFC Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for HDFC Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24

Duration	Returns
1 Month	0.2%
3 Month	1.8%
6 Month	4.7%
1 Year	9.7%
3 Year	5.1%
5 Year	5.5%
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	17.15 Yr.
Dhruv Muchhal	22 Jun 23	1.36 Yr.

Data below for HDFC Income Fund as on 15 Oct 24

Asset Allocation

Asset Class	Value
Cash	3.9%
Debt	95.86%
Other	0.24%

Debt Sector Allocation

Sector	Value
Government	83.7%
Corporate	11.68%
Cash Equivalent	3.9%
Securitized	0.48%

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 ↑ 1,000,000
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%	₹25 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

2. LIC MF Bond Fund

LIC MF Bond Fund is an open-ended debt scheme, which will endeavor to generate an attractive return for its investors by investing in a portfolio of quality debt securities and money market instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

LIC MF Bond Fund is a Debt - Medium to Long term fund was launched on 15 Sep 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.8% since its launch. Return for 2023 was 6.5% , 2022 was 2.8% and 2021 was 1.3% .

Below is the key information for LIC MF Bond Fund

LIC MF Bond Fund Growth
Launch Date	15 Sep 99
NAV (13 Nov 24)	₹68.6499 ↑ 0.04 (0.06 %)
Net Assets (Cr)	₹179 on 15 Oct 24
Category	Debt - Medium to Long term
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.04
Sharpe Ratio	0.8
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity	7.1%
Effective Maturity	8 Years 3 Months 4 Days
Modified Duration	6 Years 1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,891
31 Oct 21	₹11,078
31 Oct 22	₹11,242
31 Oct 23	₹11,974
31 Oct 24	₹13,140

LIC MF Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for LIC MF Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24

Duration	Returns
1 Month	0.3%
3 Month	2.1%
6 Month	4.9%
1 Year	9.4%
3 Year	5.9%
5 Year	5.7%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.5%
2022	2.8%
2021	1.3%
2020	8.8%
2019	9.7%
2018	4.9%
2017	2.2%
2016	12.3%
2015	5.6%
2014	12.4%

Fund Manager information for LIC MF Bond Fund

Name	Since	Tenure
Marzban Irani	10 Aug 16	8.23 Yr.
Pratik Shroff	26 Sep 23	1.1 Yr.

Data below for LIC MF Bond Fund as on 15 Oct 24

Asset Allocation

Asset Class	Value
Cash	2.52%
Debt	97.22%
Other	0.26%

Debt Sector Allocation

Sector	Value
Government	85.83%
Corporate	11.39%
Cash Equivalent	2.52%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.70 MH Sgs 2033 Sovereign Bonds \| -	23%	₹42 Cr	4,000,000
7.10%Goi 08/04/2034 Sovereign Bonds \| -	20%	₹36 Cr	3,500,000
07.80 GJ Sdl 2032 Sovereign Bonds \| -	15%	₹27 Cr	2,500,000
07.64 MH Sgs 2032 Sovereign Bonds \| -	9%	₹16 Cr	1,500,000
07.71 MH Sdl 2033 Sovereign Bonds \| -	7%	₹13 Cr	1,250,000 ↓ -1,000,000
07.18 Goi 14082033 Sovereign Bonds \| -	7%	₹13 Cr	1,250,000
HDFC Bank Limited Debentures \| -	6%	₹10 Cr	100
Jamnagar Utilities & Power Private Limited 7.43% Debentures \| -	6%	₹10 Cr	1,000 ↑ 1,000
06.95 GJ Sdl 2031 Sovereign Bonds \| -	3%	₹5 Cr	500,000
07.72 MH Sdl 2034 Sovereign Bonds \| -	2%	₹3 Cr	300,000

3. Aditya Birla Sun Life Income Fund

(Erstwhile Aditya Birla Sun Life Income Plus)

An Open-ended Income Scheme to generate consistent income through superior yields on its investments at moderate levels of risk through a diversified investment approach. This income may be complemented by price changes of instruments in the portfolio.

Aditya Birla Sun Life Income Fund is a Debt - Medium to Long term fund was launched on 21 Oct 95. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.9% since its launch. Ranked 26 in Medium to Long term category. Return for 2023 was 6.6% , 2022 was 2.4% and 2021 was 4% .

Below is the key information for Aditya Birla Sun Life Income Fund

Aditya Birla Sun Life Income Fund Growth
Launch Date	21 Oct 95
NAV (13 Nov 24)	₹119.72 ↓ -0.07 (-0.06 %)
Net Assets (Cr)	₹2,181 on 15 Oct 24
Category	Debt - Medium to Long term
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.03
Sharpe Ratio	1.01
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.27%
Effective Maturity	15 Years 2 Months 1 Day
Modified Duration	6 Years 6 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,233
31 Oct 21	₹11,712
31 Oct 22	₹11,900
31 Oct 23	₹12,612
31 Oct 24	₹13,824

Aditya Birla Sun Life Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Aditya Birla Sun Life Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24

Duration	Returns
1 Month	0.2%
3 Month	2%
6 Month	4.8%
1 Year	9.1%
3 Year	5.6%
5 Year	6.7%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.6%
2022	2.4%
2021	4%
2020	12.8%
2019	9.5%
2018	5.1%
2017	2.8%
2016	14.4%
2015	4.6%
2014	16%

Fund Manager information for Aditya Birla Sun Life Income Fund

Name	Since	Tenure
Bhupesh Bameta	6 Aug 20	4.24 Yr.
Dhaval Joshi	21 Nov 22	1.95 Yr.

Data below for Aditya Birla Sun Life Income Fund as on 15 Oct 24

Asset Allocation

Asset Class	Value
Cash	4.3%
Debt	95.47%
Other	0.23%

Debt Sector Allocation

Sector	Value
Government	61.81%
Corporate	33.67%
Cash Equivalent	4.3%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	20%	₹428 Cr	40,682,200 ↓ -500,000
07.18 Goi 24072037 Sovereign Bonds \| -	12%	₹265 Cr	25,793,050
7.30 Goi 19062053 Sovereign Bonds \| -	7%	₹153 Cr	14,579,750
Small Industries Development Bank Of India Debentures \| -	4%	₹85 Cr	850
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹76 Cr	7,500 ↑ 7,500
LIC Housing Finance Ltd Debentures \| -	3%	₹61 Cr	600
07.18 Goi 14082033 Sovereign Bonds \| -	2%	₹54 Cr	5,244,600 ↑ 2,500,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	2%	₹53 Cr	5,106,100
Small Industries Development Bank Of India Debentures \| -	2%	₹53 Cr	530
7.10%Goi 08/04/2034 Sovereign Bonds \| -	2%	₹51 Cr	5,000,000 ↑ 5,000,000

4. Kotak Bond Fund

(Erstwhile Kotak Bond Regular Plan Growth)

To create a portfolio of debt and money market instruments of different maturities so as to spread the risk across a wide maturity horizon & different kinds of issuers in the debt market. However, there is no assurance that the objective of the scheme will be realized

Kotak Bond Fund is a Debt - Medium to Long term fund was launched on 25 Nov 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.3% since its launch. Ranked 32 in Medium to Long term category. Return for 2023 was 6.8% , 2022 was 1.7% and 2021 was 2.4% .

Below is the key information for Kotak Bond Fund

Kotak Bond Fund Growth
Launch Date	25 Nov 99
NAV (13 Nov 24)	₹73.2545 ↓ -0.04 (-0.05 %)
Net Assets (Cr)	₹2,171 on 30 Sep 24
Category	Debt - Medium to Long term
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆
Risk	Moderate
Expense Ratio	1.77
Sharpe Ratio	1.18
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-3 Months (0.2%),3 Months and above(NIL)
Yield to Maturity	7.05%
Effective Maturity	13 Years 10 Months 28 Days
Modified Duration	6 Years 5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,116
31 Oct 21	₹11,536
31 Oct 22	₹11,670
31 Oct 23	₹12,346
31 Oct 24	₹13,525

Kotak Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Kotak Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24

Duration	Returns
1 Month	0.2%
3 Month	1.8%
6 Month	4.6%
1 Year	9.1%
3 Year	5.4%
5 Year	6.3%
10 Year
15 Year
Since launch	8.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.8%
2022	1.7%
2021	2.4%
2020	12.3%
2019	10.3%
2018	5.2%
2017	0.9%
2016	14.3%
2015	4.6%
2014	15.1%

Fund Manager information for Kotak Bond Fund

Name	Since	Tenure
Abhishek Bisen	15 Apr 08	16.56 Yr.

Data below for Kotak Bond Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	10.19%
Equity	0.33%
Debt	89.24%
Other	0.24%

Debt Sector Allocation

Sector	Value
Government	78.8%
Corporate	16.02%
Cash Equivalent	4.62%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.18 Goi 24072037 Sovereign Bonds \| -	22%	₹469 Cr	45,538,680
07.18 Goi 14082033 Sovereign Bonds \| -	9%	₹188 Cr	18,366,330 ↓ -7,567,000
07.32 Goi 2030 Sovereign Bonds \| -	7%	₹149 Cr	14,500,000 ↑ 2,500,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	7%	₹148 Cr	14,250,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	7%	₹144 Cr	14,142,400
7.34% Govt Stock 2064 Sovereign Bonds \| -	6%	₹140 Cr	13,299,600 ↑ 5,000,000
7.30 Goi 19062053 Sovereign Bonds \| -	6%	₹120 Cr	11,429,820 ↓ -2,500,000
Govt Stock 22092033 Sovereign Bonds \| -	5%	₹113 Cr	11,000,000 ↓ -2,000,000
07.37 Goi 2028 Sovereign Bonds \| -	5%	₹102 Cr	10,000,000
HDFC Bank Limited Debentures \| -	4%	₹76 Cr	7,500

5. ICICI Prudential Bond Fund

(Erstwhile ICICI Prudential Income Opportunities Fund)

ICICI Prudential Income Opportunities Fund is an open-ended income fund that intends to generate income through investments in a range of debt and money market instruments of various credit ratings and maturities

ICICI Prudential Bond Fund is a Debt - Medium to Long term fund was launched on 18 Aug 08. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.6% since its launch. Ranked 19 in Medium to Long term category. Return for 2023 was 7.7% , 2022 was 3.1% and 2021 was 2.9% .

Below is the key information for ICICI Prudential Bond Fund

ICICI Prudential Bond Fund Growth
Launch Date	18 Aug 08
NAV (13 Nov 24)	₹38.0803 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹2,963 on 15 Oct 24
Category	Debt - Medium to Long term
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.11
Sharpe Ratio	1.29
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-6 Months (1%),6 Months and above(NIL)
Yield to Maturity	7.26%
Effective Maturity	7 Years 7 Months 10 Days
Modified Duration	4 Years 8 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,184
31 Oct 21	₹11,548
31 Oct 22	₹11,804
31 Oct 23	₹12,643
31 Oct 24	₹13,824

ICICI Prudential Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for ICICI Prudential Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24

Duration	Returns
1 Month	0.4%
3 Month	2.1%
6 Month	4.8%
1 Year	9%
3 Year	6.1%
5 Year	6.7%
10 Year
15 Year
Since launch	8.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.7%
2022	3.1%
2021	2.9%
2020	11.5%
2019	10.9%
2018	4.6%
2017	5.3%
2016	11.3%
2015	8.5%
2014	14.5%

Fund Manager information for ICICI Prudential Bond Fund

Name	Since	Tenure
Darshil Dedhia	22 Jan 24	0.78 Yr.
Rohit Lakhotia	12 Jun 23	1.39 Yr.

Data below for ICICI Prudential Bond Fund as on 15 Oct 24

Asset Allocation

Asset Class	Value
Cash	8.59%
Debt	91.15%
Other	0.26%

Debt Sector Allocation

Sector	Value
Government	59.58%
Corporate	35.68%
Cash Equivalent	4.48%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.10%Goi 08/04/2034 Sovereign Bonds \| -	37%	₹1,096 Cr	107,181,600 ↑ 31,500,000
Govt Stock 22092033 Sovereign Bonds \| -	10%	₹293 Cr	28,450,000
LIC Housing Finance Limited Debentures \| -	5%	₹162 Cr	1,600
HDFC Bank Limited Debentures \| -	5%	₹134 Cr	13,200 ↑ 5,000
Summit Digitel Infrastructure Ltd Debentures \| -	4%	₹118 Cr	11,650
HDFC Bank Limited Debentures \| -	4%	₹106 Cr	1,100 ↑ 1,100
7.02% Govt Stock 2031 Sovereign Bonds \| -	3%	₹81 Cr	8,000,000 ↓ -10,000,000
Pipeline Infrastructure Private Limited Debentures \| -	3%	₹76 Cr	7,400
07.18 Goi 14082033 Sovereign Bonds \| -	2%	₹66 Cr	6,478,460 ↓ -29,000,000
LIC Housing Finance Ltd Debentures \| -	2%	₹55 Cr	550

6. UTI Bond Fund

(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 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% .

Below is the key information for UTI Bond Fund

UTI Bond Fund Growth
Launch Date	4 May 98
NAV (13 Nov 24)	₹69.797 ↓ -0.02 (-0.02 %)
Net Assets (Cr)	₹316 on 15 Oct 24
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	0.82
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.32%
Effective Maturity	9 Years 7 Months 24 Days
Modified Duration	6 Years 4 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,129
31 Oct 21	₹11,141
31 Oct 22	₹12,075
31 Oct 23	₹12,809
31 Oct 24	₹13,998

UTI Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24

Duration	Returns
1 Month	0.3%
3 Month	2%
6 Month	4.7%
1 Year	9%
3 Year	7.9%
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	1.54 Yr.

Data below for UTI Bond Fund as on 15 Oct 24

Asset Allocation

Asset Class	Value
Cash	1.97%
Debt	97.78%
Other	0.25%

Debt Sector Allocation

Sector	Value
Government	59.35%
Corporate	38.43%
Cash Equivalent	1.97%

Credit Quality

Rating	Value
AA	9.81%
AAA	90.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	49%	₹155 Cr	1,510,000,000 ↓ -30,000,000
LIC Housing Finance Limited Debentures \| -	8%	₹25 Cr	250
Hdb Financial Services Ltd. Debentures \| -	8%	₹25 Cr	250
7.23% Govt Stock 2039 Sovereign Bonds \| -	7%	₹21 Cr	200,000,000
Jamnagar Utilities And Power Private Limited Debentures \| -	6%	₹20 Cr	2,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	5%	₹15 Cr	1,500
Aditya Birla Renewables 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

7. Nippon India Income Fund

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 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% .

Below is the key information for Nippon India Income Fund

Nippon India Income Fund Growth
Launch Date	1 Jan 98
NAV (13 Nov 24)	₹85.5978 ↓ -0.04 (-0.05 %)
Net Assets (Cr)	₹427 on 30 Sep 24
Category	Debt - Medium to Long term
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderate
Expense Ratio	1.43
Sharpe Ratio	1.04
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	6.92%
Effective Maturity	10 Years 10 Months 6 Days
Modified Duration	6 Years 6 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,040
31 Oct 21	₹11,279
31 Oct 22	₹11,490
31 Oct 23	₹12,190
31 Oct 24	₹13,335

Nippon India Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Nippon India Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24

Duration	Returns
1 Month	0.1%
3 Month	1.7%
6 Month	4.5%
1 Year	8.9%
3 Year	5.7%
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	4.75 Yr.
Kinjal Desai	25 May 18	6.44 Yr.

Data below for Nippon India Income Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	8.57%
Debt	91.21%
Other	0.22%

Debt Sector Allocation

Sector	Value
Government	87.41%
Cash Equivalent	8.57%
Corporate	3.8%

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 ↓ -2,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	15%	₹61 Cr	6,000,000 ↓ -500,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	13%	₹51 Cr	5,000,000 ↑ 2,500,000
7.1% Govt Stock 2029 Sovereign Bonds \| -	11%	₹46 Cr	4,500,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	10%	₹41 Cr	4,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	7%	₹26 Cr	2,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	6%	₹25 Cr	2,500,000
LIC Housing Finance Ltd Debentures \| -	4%	₹15 Cr	150
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹10 Cr	1,000
Indian Railway Finance Corporation Limited Debentures \| -	1%	₹5 Cr	50

8. SBI Magnum Income Fund

To provide the investors an opportunity to earn, in accordance with their requirements, through capital gains or through regular dividends, returns that would be higher than the returns offered by comparable investment avenues through investment in debt & money market securities.

SBI Magnum Income Fund is a Debt - Medium to Long term fund was launched on 25 Nov 98. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.6% since its launch. Ranked 6 in Medium to Long term category. Return for 2023 was 7.2% , 2022 was 3% and 2021 was 3.6% .

Below is the key information for SBI Magnum Income Fund

SBI Magnum Income Fund Growth
Launch Date	25 Nov 98
NAV (13 Nov 24)	₹67.3234 ↓ -0.05 (-0.07 %)
Net Assets (Cr)	₹1,796 on 30 Sep 24
Category	Debt - Medium to Long term
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.46
Sharpe Ratio	1.12
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity	7.64%
Effective Maturity	15 Years 1 Month 6 Days
Modified Duration	6 Years 8 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,309
31 Oct 21	₹11,778
31 Oct 22	₹12,012
31 Oct 23	₹12,887
31 Oct 24	₹14,013

SBI Magnum Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for SBI Magnum Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24

Duration	Returns
1 Month	0.4%
3 Month	2%
6 Month	4.6%
1 Year	8.6%
3 Year	5.9%
5 Year	7%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	3%
2021	3.6%
2020	11.6%
2019	11.7%
2018	4.7%
2017	5.7%
2016	13.4%
2015	6%
2014	12.4%

Fund Manager information for SBI Magnum Income Fund

Name	Since	Tenure
Lokesh Mallya	1 Dec 23	0.92 Yr.
Pradeep Kesavan	1 Dec 23	0.92 Yr.
Adesh Sharma	1 Dec 23	0.92 Yr.

Data below for SBI Magnum Income Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	13.82%
Debt	85.92%
Other	0.25%

Debt Sector Allocation

Sector	Value
Government	51.39%
Corporate	34.54%
Cash Equivalent	13.82%

Credit Quality

Rating	Value
AA	39.58%
AAA	60.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.23% Govt Stock 2039 Sovereign Bonds \| -	16%	₹284 Cr	27,500,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	16%	₹282 Cr	27,000,000 ↓ -5,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	14%	₹260 Cr	25,500,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	6%	₹103 Cr	10,000,000
Torrent Power Limited Debentures \| -	4%	₹77 Cr	7,500
Godrej Properties Limited Debentures \| -	4%	₹75 Cr	7,500
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	4%	₹74 Cr	7,500
Indostar Capital Finance Ltd. Debentures \| -	3%	₹59 Cr	5,900
Avanse Financial Services Ltd. Debentures \| -	3%	₹55 Cr	5,500
Jm Financial Credit Solutions Limited Debentures \| -	3%	₹50 Cr	5,000

9. Canara Robeco Income Fund

(Erstwhile Canara Robeco Income)

To generate income through investment in debt and money market securities of different maturity and issuers of different risk profiles. However, there can be no assurance that the investment objective of the scheme will be realized.

Canara Robeco Income Fund is a Debt - Medium to Long term fund was launched on 19 Sep 02. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.8% since its launch. Return for 2023 was 5.6% , 2022 was 1.6% and 2021 was 1.9% .

Below is the key information for Canara Robeco Income Fund

Canara Robeco Income Fund Growth
Launch Date	19 Sep 02
NAV (13 Nov 24)	₹53.1391 ↓ -0.03 (-0.05 %)
Net Assets (Cr)	₹119 on 30 Sep 24
Category	Debt - Medium to Long term
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.88
Sharpe Ratio	0.74
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	6.9%
Effective Maturity	13 Years 11 Months 15 Days
Modified Duration	6 Years 2 Months 27 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,992
31 Oct 21	₹11,232
31 Oct 22	₹11,299
31 Oct 23	₹11,876
31 Oct 24	₹12,915

Canara Robeco Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Canara Robeco Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24

Duration	Returns
1 Month	0.1%
3 Month	1.5%
6 Month	4.3%
1 Year	8.3%
3 Year	4.7%
5 Year	5.3%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	5.6%
2022	1.6%
2021	1.9%
2020	10.1%
2019	10.3%
2018	5.2%
2017	3.5%
2016	12.7%
2015	5.6%
2014	13.9%

Fund Manager information for Canara Robeco Income Fund

Name	Since	Tenure
Avnish Jain	25 Jun 14	10.36 Yr.
Kunal Jain	18 Jul 22	2.29 Yr.

Data below for Canara Robeco Income Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	18.32%
Debt	81.41%
Other	0.27%

Debt Sector Allocation

Sector	Value
Government	77.26%
Cash Equivalent	18.32%
Corporate	4.15%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.30 Goi 19062053 Sovereign Bonds \| -	17%	₹21 Cr	2,000,000 ↓ -1,000,000
7.23% Goi 15/04/2039 Sovereign Bonds \| -	9%	₹10 Cr	1,000,000 ↑ 1,000,000
07.32 Goi 2030 Sovereign Bonds \| -	9%	₹10 Cr	1,000,000 ↓ -500,000
07.18 Goi 24072037 Sovereign Bonds \| -	9%	₹10 Cr	1,000,000 ↓ -500,000
7.10%Goi 08/04/2034 Sovereign Bonds \| -	8%	₹10 Cr	1,000,000 ↑ 500,000
07.04 Goi 03062029 Sovereign Bonds \| -	8%	₹10 Cr	1,000,000 ↓ -500,000
6.79 Goi 2034 Sovereign Bonds \| -	8%	₹10 Cr	1,000,000 ↑ 700,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	4%	₹5 Cr	500,000
Govt Stock 22092033 Sovereign Bonds \| -	4%	₹5 Cr	500,000
Hdb Financial Services Limited Debentures \| -	4%	₹5 Cr	50

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