Table of Contents
এফডি বনাম ডেট মিউচুয়াল ফান্ড
FD বনামঋণ তহবিল? ভাবনাযেখানে বিনিয়োগ করতে হবে আপনার সঞ্চয় ভাল আয় উপার্জন. সাধারণত, মানুষ বিবেচনাবিনিয়োগ ফিক্সড ডিপোজিট বা FD-এ সবচেয়ে সুবিধাজনক বিকল্প কারণ এটি নিরাপদ এবং নির্দিষ্ট রিটার্ন অফার করে। কিন্তু এটা কি সেরা উপায়? যদিও ফিক্সড ডিপোজিট সকলের জন্য একটি সহজ বিনিয়োগের বিকল্প, যাইহোক, একটি ঋণ তহবিলের তুলনায় স্থায়ী আমানতের আয় করযোগ্য হওয়ার তুলনায় অনেক কম। অধিকন্তু, একটি দীর্ঘ সময়ের জন্য অনুষ্ঠিত হলে, ঋণযৌথ পুঁজি ভাল রিটার্ন অফার. ডেট মিউচুয়াল ফান্ড বা স্থায়ী আমানতে বিনিয়োগ করার চূড়ান্ত সিদ্ধান্ত নেওয়ার আগে, এই বিনিয়োগগুলির বিশদ তুলনার মাধ্যমে যান।
সংক্ষেপে:
ডেট মিউচুয়াল ফান্ড (ডেট ফান্ড) বনাম ফিক্সড ডিপোজিট (এফডি)
আমাদের একটি ঝুঁকি নেওয়ার ক্ষমতা এবং এর উদ্দেশ্যযুক্ত হোল্ডিং পিরিয়ডের দ্বারা এটি ভেঙে ফেলা দরকারবিনিয়োগকারী প্রশ্নে.
সংক্ষিপ্ত হোল্ডিং পিরিয়ড (1 বছর বা তার কম)
এখানে ঋণ তহবিলের বিকল্পগুলি সীমাবদ্ধ থাকবেতরল তহবিল, অতি-স্বল্পমেয়াদী তহবিল এবং স্বল্পমেয়াদীআয় তহবিল যদিও রিটার্ন বা ফলন সাধারণত তরল থেকে অতি-স্বল্প থেকে স্বল্প মেয়াদী তহবিলে বেশি হয়, এই ঋণ তহবিল এবং একটি স্থায়ী আমানতের মধ্যে লাভের পার্থক্য গত এক বছরে তাদের আয় বিবেচনা করে নির্ধারণ করা যেতে পারে।
ডেট মিউচুয়াল ফান্ড (বিভাগের গড় রিটার্ন)
| ডেট মিউচুয়াল ফান্ডের ধরন | গত ১ বছর। রিটার্ন (%) |
|---|---|
| তরল তহবিল | 7.36 |
| অতি স্বল্পমেয়াদী ঋণ তহবিল | 9.18 |
| স্বল্পমেয়াদী ঋণ তহবিল | ৯.৭৮ |
| ডায়নামিক ডেট ফান্ড | 13.89 |
| দীর্ঘমেয়াদী ঋণ তহবিল | 13.19 |
| গিল্ট স্বল্পমেয়াদী তহবিল | 11.76 |
| গিল্ট দীর্ঘমেয়াদী তহবিল | 15.06 |
| 20 ফেব্রুয়ারী 2017 তারিখের ডেটা |
ফিক্সড ডিপোজিট বা FD গড় রিটার্ন রেট
ফিক্সড ডিপোজিটের গড় রিটার্ন রেট 8-8.5% p.a থেকে। 2016 সালে (তাই কেউ টেবিলে উপরের আয়ের তুলনা করতে পারে)। যাইহোক, গত এক বছরে, রিটার্ন রেট 6.6-7.5% p.a-এ নেমে এসেছে।
উপরের দৃষ্টান্তের মাধ্যমে, এটা স্পষ্ট যে ঋণ তহবিলের গড় ফেরতের হার স্থায়ী আমানতের তুলনায় ভাল।
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দীর্ঘমেয়াদী হোল্ডিং পিরিয়ড
একটি দীর্ঘ অভিপ্রেত হোল্ডিং সময়ের সাথে, ঋণ তহবিল FD-এর চেয়ে ভাল প্রমাণিত হতে পারে।
এখানে বিনিয়োগের বিকল্পগুলি হ'ল:
- দীর্ঘমেয়াদী আয় তহবিল
- দীর্ঘমেয়াদী গিল্ট,
- কর্পোরেটবন্ধন তহবিল (উচ্চ ফলন তহবিল), তরল উপরে উল্লিখিত বিকল্পগুলি ছাড়াও, অতি-স্বল্প এবং স্বল্পমেয়াদী তহবিলগুলিও ব্যবহার করা যেতে পারে।
প্রদত্ত যে হোল্ডিং সময়কাল 3 বছর বা তার বেশি হতে পারে, আমরা নিম্নলিখিত বলতে পারি:
- সঙ্গেমূলধন ইনডেক্সেশন সুবিধার সাথে 20% হারে লাভ ট্যাক্স, নেট ট্যাক্সের ঘটনা ন্যূনতম হবে (তবে ট্যাক্সের বছরের প্রদত্ত ট্যাক্সের ঘটনা গণনা করা উচিত)
- দীর্ঘমেয়াদী আয় তহবিল/গিল্ট ফান্ড উচ্চ ফলন সহ এবং অতিরিক্তভাবে, যদি সুদের হার নিচে চলে যায় তবে খুব বেশি রিটার্ন দেবে।
- এই ঋণ তহবিলগুলির সাথে একজন উচ্চ দ্বিগুণ অঙ্কের রিটার্নের সাথে শেষ হতে পারে।
দীর্ঘমেয়াদী আয় তহবিলে আয়ের নীচের উদাহরণ নিন, বিভাগের জন্য গত 1-বছরের গড় রিটার্ন হল 12.19% এবং শেষ 3 বছরে 10.32% p.a। এই সময়ের মধ্যে কোনো FD একই রকম রিটার্ন দিতে পারেনি। গিল্ট ফান্ডের রিটার্ন আরও বেশি। একই সময়ে, বেশিরভাগ ব্যাঙ্কে গত বছর FD রেট বার্ষিক 8-8.5%-এর কাছাকাছি হত, (যদিও আজ হার আরও কমে 6.5 - 7.5% হয়েছে)
সুতরাং একজন বিনিয়োগকারীর দীর্ঘমেয়াদী হোল্ডিং পিরিয়ড এবং সুদের হার কমে যাওয়ায়, একটি ঋণ তহবিল (দীর্ঘমেয়াদী আয় বা গিল্ট) একটি FD থেকে অনেক ভালো রিটার্ন দেবে। এমনকি সুদের হার না কমার ক্ষেত্রেও, উচ্চ ফলন কর্পোরেট বন্ড তহবিল একই সময়ের মধ্যে FD-কে পরাজিত করবে।
ঋণ মিউচুয়াল ফান্ড এবং স্থায়ী আমানতের উপর কর
ঋণ তহবিল এবং স্থায়ী আমানতের আয় নির্ধারণের ক্ষেত্রেও কর ব্যবস্থা একটি গুরুত্বপূর্ণ ভূমিকা পালন করে। সাধারণত, স্থায়ী আমানতের উপর কর 33% (করের প্রান্তিক হার) হয় যখন ঋণ তহবিলে কেউ যদি 3 বছরের কম ভিউ নিয়ে বিনিয়োগ করে তবে ডিডিটি (লভ্যাংশ বন্টন কর) কেটে নেওয়া হলে লভ্যাংশ বন্টন কর আরোপ করা একটি ভাল বিকল্প হবে। আনুমানিক 25% (+সারচার্জ ইত্যাদি)। এটি দেখায় যে ডেট মিউচুয়াল ফান্ডের উপর ট্যাক্সেশন ফিক্সড ডিপোজিটের তুলনায় তুলনামূলকভাবে কম।
ঋণ তহবিলের সাথে আসা অতিরিক্ত সুবিধাগুলি হল:
- তারল্য: থেকে 1-2 দিনের মধ্যে টাকা উপলব্ধমুক্তি
- পেশাদার ব্যবস্থাপনা: গতিশীলভাবে কৌশল পরিবর্তন করার এবং বাজারের সুবিধা নেওয়ার ক্ষমতা
- কোন অকাল প্রত্যাহার জরিমানা.
সংক্ষেপে:
| পরামিতি | যৌথ পুঁজি | ফিক্সড ডিপোজিট |
|---|---|---|
| রিটার্নের হার | কোনো নিশ্চিত রিটার্ন নেই | ফিক্সড রিটার্ন |
| মুদ্রাস্ফীতি সামঞ্জস্যপূর্ণ রিটার্ন | উচ্চ মূল্যস্ফীতি সামঞ্জস্যপূর্ণ রিটার্নের সম্ভাবনা | সাধারণত নিম্ন মুদ্রাস্ফীতি সমন্বয় রিটার্ন |
| ঝুঁকি | নিম্ন থেকে উচ্চ ঝুঁকি (তহবিলের উপর নির্ভর করে | ঝুঁকি কম |
| তারল্য | তরল | তরল |
| অকাল প্রত্যাহার | এক্সিট লোড/নো লোড সহ অনুমোদিত | পেনাল্টি সহ অনুমোদিত |
| বিনিয়োগের খরচ | ব্যবস্থাপনা খরচ/ব্যয় অনুপাত | কোন খরচ |
শীর্ষ 8টি সেরা পারফর্মিং ডেট ফান্ড 2022৷
উপরে নিট সম্পদ/AUM থাকা ঋণ তহবিলের তালিকা নীচে দেওয়া হল1000 কোটি এবং 3 বছরের চক্রবৃদ্ধিতে বাছাই করা হয়েছে (CAGR) ফেরত দেয়।
The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to make regular dividend payments to unit holders & secondary objective is growth of capital. Aditya Birla Sun Life Medium Term Plan is a Debt - Medium term Bond fund was launched on 25 Mar 09. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Medium Term Plan Returns up to 1 year are on An Open-ended income scheme with the objective to generate optimal returns with high liquidity through active management of the portfolio by investing in high quality debt and money market instruments. Aditya Birla Sun Life Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 27 Sep 04. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Dynamic Bond Fund Returns up to 1 year are on The fund’s objective is to provide reasonable returns, by maintaining an optimum balance of safety, liquidity and yield, through investments in a basket of debt and money market instruments with a view to delivering consistent performance. However, there can be no assurance that the investment objective of the Scheme will be realized. ICICI Prudential Regular Savings Fund is a Debt - Credit Risk fund was launched on 3 Dec 10. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Regular Savings Fund Returns up to 1 year are on (Erstwhile SBI Magnum Gilt Fund - Long Term Plan) To provide the investors with returns generated through investments in government securities issued by the Central Government and / or a State Government SBI Magnum Gilt Fund is a Debt - Government Bond fund was launched on 30 Dec 00. It is a fund with Moderate risk and has given a Below is the key information for SBI Magnum Gilt Fund Returns up to 1 year are on (Erstwhile SBI Corporate Bond Fund) The investment objective will be to actively manage a portfolio of good
quality corporate debt as well as Money Market Instruments so as to provide
reasonable returns and liquidity to the Unit holders. However there is no
guarantee or assurance that the investment objective of the scheme will
be achieved. SBI Credit Risk Fund is a Debt - Credit Risk fund was launched on 19 Jul 04. It is a fund with Moderate risk and has given a Below is the key information for SBI Credit Risk Fund Returns up to 1 year are on The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments. Aditya Birla Sun Life Floating Rate Fund - Long Term is a Debt - Floating Rate fund was launched on 25 Mar 09. It is a fund with Moderately Low risk and has given a Below is the key information for Aditya Birla Sun Life Floating Rate Fund - Long Term Returns up to 1 year are on 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 Plan is a Debt - Dynamic Bond fund was launched on 20 Jan 10. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Long Term Plan Returns up to 1 year are on (Erstwhile Reliance Liquidity Fund) The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Nippon India Money Market Fund is a Debt - Money Market fund was launched on 16 Jun 05. It is a fund with Low risk and has given a Below is the key information for Nippon India Money Market Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Medium Term Plan
CAGR/Annualized return of 8.7% since its launch. Ranked 6 in Medium term Bond category. Return for 2023 was 6.9% , 2022 was 24.8% and 2021 was 7.1% . Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (20 Dec 24) ₹37.088 ↓ -0.01 (-0.01 %) Net Assets (Cr) ₹1,999 on 15 Dec 24 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 2.32 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 7.65% Effective Maturity 4 Years 10 Months 24 Days Modified Duration 3 Years 7 Months 28 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,785 30 Nov 21 ₹11,595 30 Nov 22 ₹14,432 30 Nov 23 ₹15,369 30 Nov 24 ₹17,033 Returns for Aditya Birla Sun Life Medium 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 0.7% 3 Month 3.2% 6 Month 5.9% 1 Year 10.3% 3 Year 13.7% 5 Year 11.3% 10 Year 15 Year Since launch 8.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.9% 2022 24.8% 2021 7.1% 2020 8.1% 2019 -4.4% 2018 5.6% 2017 7% 2016 10.9% 2015 9.5% 2014 12% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 10.26 Yr. Mohit Sharma 6 Aug 20 4.32 Yr. Dhaval Joshi 21 Nov 22 2.03 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 9.09% Equity 3.04% Debt 86.5% Other 1.37% Debt Sector Allocation
Sector Value Government 47.6% Corporate 38.32% Cash Equivalent 9.09% Securitized 0.58% Credit Quality
Rating Value A 5.55% AA 32.83% AAA 61.62% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -28% ₹545 Cr 53,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -10% ₹204 Cr 20,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -5% ₹107 Cr 10,500,000 Adani Airport Holdings Ltd
Debentures | -3% ₹51 Cr 5,300 Creditaccess Grameen Limited
Debentures | -3% ₹50 Cr 500,000 Belstar Microfinance Limited
Debentures | -3% ₹50 Cr 5,000 JSW Steel Limited
Debentures | -3% ₹50 Cr 500 4.986339% GMR Infrastructure Limited (22/11/2026)
Debentures | -2% ₹49 Cr 4,467
↑ 4,467 Piramal Capital & Housing Finance Ltd
Debentures | -2% ₹48 Cr 4,800 Hinduja Housing Finance Limited 8.85%
Debentures | -2% ₹46 Cr 4,600 2. Aditya Birla Sun Life Dynamic Bond Fund
CAGR/Annualized return of 7.6% since its launch. Ranked 16 in Dynamic Bond category. Return for 2023 was 6.9% , 2022 was 6% and 2021 was 4.9% . Aditya Birla Sun Life Dynamic Bond Fund
Growth Launch Date 27 Sep 04 NAV (20 Dec 24) ₹44.1568 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹1,716 on 15 Dec 24 Category Debt - Dynamic Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.21 Sharpe Ratio 1.08 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-90 Days (0.5%),90 Days and above(NIL) Yield to Maturity 7.22% Effective Maturity 15 Years 14 Days Modified Duration 8 Years 2 Months 8 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,882 30 Nov 21 ₹11,470 30 Nov 22 ₹12,121 30 Nov 23 ₹12,877 30 Nov 24 ₹14,077 Returns for Aditya Birla Sun Life Dynamic 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 1.1% 6 Month 4.2% 1 Year 8.7% 3 Year 7.1% 5 Year 7.2% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.9% 2022 6% 2021 4.9% 2020 9.7% 2019 -0.9% 2018 5.7% 2017 2.2% 2016 14% 2015 7.4% 2014 14.8% Fund Manager information for Aditya Birla Sun Life Dynamic Bond Fund
Name Since Tenure Mohit Sharma 22 Mar 21 3.7 Yr. Bhupesh Bameta 6 Aug 20 4.32 Yr. Data below for Aditya Birla Sun Life Dynamic Bond Fund as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 3.09% Debt 96.63% Other 0.27% Debt Sector Allocation
Sector Value Government 80.38% Corporate 16.25% Cash Equivalent 3.09% Credit Quality
Rating Value A 2.73% AA 4.9% AAA 92.37% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2037
Sovereign Bonds | -34% ₹582 Cr 57,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -14% ₹243 Cr 23,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -12% ₹196 Cr 19,077,900 7.18% Govt Stock 2033
Sovereign Bonds | -10% ₹173 Cr 17,000,000 Cholamandalam Investment And Finance Company Limited
Debentures | -5% ₹81 Cr 8,000 State Bank Of India
Debentures | -4% ₹76 Cr 75 7.25% Govt Stock 2063
Sovereign Bonds | -3% ₹51 Cr 5,000,000 Bajaj Finance Ltd. 7.93%
Debentures | -3% ₹51 Cr 5,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹47 Cr 4,590,200 Adani Airport Holdings Ltd
Debentures | -3% ₹43 Cr 4,500 3. ICICI Prudential Regular Savings Fund
CAGR/Annualized return of 8.2% since its launch. Ranked 26 in Credit Risk category. Return for 2023 was 7.2% , 2022 was 5.1% and 2021 was 6.2% . ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (20 Dec 24) ₹30.2179 ↓ -0.07 (-0.22 %) Net Assets (Cr) ₹6,325 on 15 Dec 24 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 1.79 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 8.52% Effective Maturity 2 Years 4 Months 10 Days Modified Duration 1 Year 10 Months 2 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,965 30 Nov 21 ₹11,696 30 Nov 22 ₹12,240 30 Nov 23 ₹13,095 30 Nov 24 ₹14,242 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.3% 3 Month 1.5% 6 Month 4% 1 Year 8.3% 3 Year 6.8% 5 Year 7.3% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.2% 2022 5.1% 2021 6.2% 2020 9.8% 2019 9.5% 2018 6.6% 2017 6.8% 2016 9.5% 2015 9% 2014 11% Fund Manager information for ICICI Prudential Regular Savings Fund
Name Since Tenure Manish Banthia 7 Nov 16 8.07 Yr. Akhil Kakkar 22 Jan 24 0.86 Yr. Data below for ICICI Prudential Regular Savings Fund as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 16.72% Equity 1.35% Debt 81.61% Other 0.32% Debt Sector Allocation
Sector Value Corporate 71.84% Government 10.69% Cash Equivalent 10.49% Securitized 5.33% Credit Quality
Rating Value A 13.06% AA 56.66% AAA 30.28% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -5% ₹317 Cr 31,170,730 Embassy Office Parks Reit
Unlisted bonds | -4% ₹284 Cr 7,481,172
↓ -87,373 Varroc Engineering Limited
Debentures | -4% ₹248 Cr 25,000 Millennia Realtors Private Limited
Debentures | -3% ₹210 Cr 2,100 Aadhar Housing Finance Ltd
Debentures | -3% ₹176 Cr 17,500 7.17% Govt Stock 2030
Sovereign Bonds | -2% ₹152 Cr 15,000,000 Nirma Limited
Debentures | -2% ₹152 Cr 15,000 Dlf Home Developers Limited
Debentures | -2% ₹150 Cr 15,000 Yes Bank Limited
Debentures | -2% ₹105 Cr 1,050 JM Financial Home Loans Limited
Debentures | -2% ₹101 Cr 10,000 4. SBI Magnum Gilt Fund
CAGR/Annualized return of 8% since its launch. Ranked 3 in Government Bond category. Return for 2023 was 7.6% , 2022 was 4.2% and 2021 was 3% . SBI Magnum Gilt Fund
Growth Launch Date 30 Dec 00 NAV (20 Dec 24) ₹63.3073 ↓ -0.05 (-0.07 %) Net Assets (Cr) ₹10,979 on 30 Nov 24 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 1.03 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.06% Effective Maturity 25 Years 7 Months 6 Days Modified Duration 10 Years 2 Months 19 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,204 30 Nov 21 ₹11,568 30 Nov 22 ₹12,021 30 Nov 23 ₹12,861 30 Nov 24 ₹14,094 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 0.6% 6 Month 3.6% 1 Year 8.7% 3 Year 6.8% 5 Year 7.1% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.6% 2022 4.2% 2021 3% 2020 11.7% 2019 13.1% 2018 5.1% 2017 3.9% 2016 16.3% 2015 7.3% 2014 19.9% Fund Manager information for SBI Magnum Gilt Fund
Name Since Tenure Rajeev Radhakrishnan 1 Nov 23 1.08 Yr. Tejas Soman 1 Dec 23 1 Yr. Data below for SBI Magnum Gilt Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 2.39% Debt 97.61% Debt Sector Allocation
Sector Value Government 97.61% Cash Equivalent 2.39% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -44% ₹4,869 Cr 468,000,000
↑ 35,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -22% ₹2,453 Cr 240,103,800 7.23% Govt Stock 2039
Sovereign Bonds | -15% ₹1,684 Cr 163,000,000
↓ -50,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -8% ₹911 Cr 88,000,000 7.93% Govt Stock 2033
Sovereign Bonds | -2% ₹242 Cr 23,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -2% ₹229 Cr 22,835,300
↑ 12,633,900 7.25% Govt Stock 2063
Sovereign Bonds | -2% ₹190 Cr 18,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -1% ₹139 Cr 13,500,000
↓ -1,500,000 Treps
CBLO/Reverse Repo | -6% ₹653 Cr Net Receivable / Payable
CBLO | -4% -₹390 Cr 5. SBI Credit Risk Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 3 in Credit Risk category. Return for 2023 was 8.3% , 2022 was 4.2% and 2021 was 5% . SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (20 Dec 24) ₹43.5552 ↑ 0.03 (0.06 %) Net Assets (Cr) ₹2,285 on 15 Dec 24 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.56 Sharpe Ratio 1.7 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL) Yield to Maturity 8.67% Effective Maturity 3 Years 1 Month 24 Days Modified Duration 2 Years 3 Months Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,967 30 Nov 21 ₹11,543 30 Nov 22 ₹11,998 30 Nov 23 ₹12,976 30 Nov 24 ₹14,035 Returns for SBI Credit Risk 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 1.8% 6 Month 3.8% 1 Year 8% 3 Year 6.8% 5 Year 7.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.3% 2022 4.2% 2021 5% 2020 9.8% 2019 6.5% 2018 6.2% 2017 6.9% 2016 10.5% 2015 9.7% 2014 10.6% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 7.84 Yr. Pradeep Kesavan 1 Dec 23 1 Yr. Adesh Sharma 1 Dec 23 1 Yr. Data below for SBI Credit Risk Fund as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 6.48% Equity 2.63% Debt 90.56% Other 0.32% Debt Sector Allocation
Sector Value Corporate 75.75% Government 14.81% Cash Equivalent 6.48% Credit Quality
Rating Value A 15.19% AA 69.49% AAA 15.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.23% Govt Stock 2039
Sovereign Bonds | -9% ₹196 Cr 19,000,000 Aadhar Housing Finance Limited
Debentures | -5% ₹112 Cr 11,200 Nirma Limited
Debentures | -5% ₹111 Cr 11,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹109 Cr 11,000 Infopark Properties Ltd.
Debentures | -5% ₹105 Cr 10,500 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹87 Cr 8,500,000 Century Textiles And Industried Limited
Debentures | -4% ₹85 Cr 8,500 Sandur Manganese And Iron Ores Limited (The)
Debentures | -4% ₹84 Cr 8,500 Avanse Financial Services Ltd.
Debentures | -3% ₹80 Cr 8,000 Renserv Global Pvt Ltd.
Debentures | -3% ₹80 Cr 8,000 6. Aditya Birla Sun Life Floating Rate Fund - Long Term
CAGR/Annualized return of 7.9% since its launch. Ranked 14 in Floating Rate category. Return for 2023 was 7.5% , 2022 was 4.8% and 2021 was 3.6% . Aditya Birla Sun Life Floating Rate Fund - Long Term
Growth Launch Date 25 Mar 09 NAV (20 Dec 24) ₹333.088 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹13,430 on 15 Dec 24 Category Debt - Floating Rate AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.46 Sharpe Ratio 2.98 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.44% Effective Maturity 2 Years 3 Months 25 Days Modified Duration 1 Year 2 Months 8 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,861 30 Nov 21 ₹11,276 30 Nov 22 ₹11,777 30 Nov 23 ₹12,646 30 Nov 24 ₹13,651 Returns for Aditya Birla Sun Life Floating Rate Fund - Long Term
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.9% 6 Month 3.8% 1 Year 8% 3 Year 6.7% 5 Year 6.5% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.5% 2022 4.8% 2021 3.6% 2020 8.6% 2019 8.6% 2018 7.5% 2017 6.9% 2016 9.5% 2015 8.9% 2014 9.6% Fund Manager information for Aditya Birla Sun Life Floating Rate Fund - Long Term
Name Since Tenure Kaustubh Gupta 20 Jun 14 10.46 Yr. Harshil Suvarnkar 22 Mar 21 3.7 Yr. Data below for Aditya Birla Sun Life Floating Rate Fund - Long Term as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 11.24% Debt 88.51% Other 0.26% Debt Sector Allocation
Sector Value Corporate 69.2% Government 23.23% Cash Equivalent 6.55% Securitized 0.76% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.93% Govt Stock 2033
Sovereign Bonds | -8% ₹1,033 Cr 100,000,000
↓ -5,000,000 LIC Housing Finance Ltd
Debentures | -3% ₹415 Cr 4,250 National Bank For Agriculture And Rural Development
Debentures | -3% ₹409 Cr 4,150 Hdb Financial Services Limited
Debentures | -2% ₹300 Cr 30,000 Bajaj Housing Finance Limited
Debentures | -2% ₹257 Cr 25,500 ICICI Home Finance Limited
Debentures | -2% ₹250 Cr 25,000 Rural Electrification Corporation Limited
Debentures | -2% ₹250 Cr 25,000 Axis Bank Ltd.
Debentures | -2% ₹241 Cr 5,000
↑ 5,000 Rural Electrification Corporation Limited
Debentures | -2% ₹225 Cr 22,500 Small Industries Development Bank of India
Debentures | -2% ₹210 Cr 4,500
↑ 4,500 7. ICICI Prudential Long Term Plan
CAGR/Annualized return of 8.8% since its launch. Ranked 1 in Dynamic Bond category. Return for 2023 was 7.6% , 2022 was 4.5% and 2021 was 4.3% . ICICI Prudential Long Term Plan
Growth Launch Date 20 Jan 10 NAV (20 Dec 24) ₹35.2357 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹13,460 on 15 Dec 24 Category Debt - Dynamic Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.36 Sharpe Ratio 1.43 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Months (0.25%),1 Months and above(NIL) Yield to Maturity 7.64% Effective Maturity 5 Years 6 Months 14 Days Modified Duration 3 Years 6 Months 4 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,219 30 Nov 21 ₹11,758 30 Nov 22 ₹12,232 30 Nov 23 ₹13,103 30 Nov 24 ₹14,222 Returns for ICICI Prudential 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 0.6% 3 Month 1.6% 6 Month 4.1% 1 Year 8.1% 3 Year 6.7% 5 Year 7.3% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.6% 2022 4.5% 2021 4.3% 2020 11.8% 2019 10.2% 2018 6.2% 2017 5.1% 2016 16.9% 2015 5.7% 2014 19.4% Fund Manager information for ICICI Prudential Long Term Plan
Name Since Tenure Manish Banthia 28 Sep 12 12.18 Yr. Nikhil Kabra 22 Jan 24 0.86 Yr. Data below for ICICI Prudential Long Term Plan as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 15.3% Debt 84.46% Other 0.25% Debt Sector Allocation
Sector Value Government 49.26% Corporate 36.96% Cash Equivalent 13.53% Credit Quality
Rating Value AA 33.42% AAA 66.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -37% ₹4,892 Cr 481,431,490
↑ 16,000,000 7.93% Govt Stock 2033
Sovereign Bonds | -5% ₹690 Cr 66,848,050
↓ -7,750,000 7.53% Govt Stock 2034
Sovereign Bonds | -3% ₹461 Cr 45,460,800 Nirma Limited
Debentures | -2% ₹202 Cr 20,000 Godrej Properties Limited
Debentures | -2% ₹201 Cr 20,000 Oberoi Realty Ltd.
Debentures | -1% ₹200 Cr 20,000 Bharti Telecom Limited
Debentures | -1% ₹161 Cr 16,000 SEIl Energy India Limited
Debentures | -1% ₹149 Cr 15,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹149 Cr 1,500
↓ -1,500 National Bank For Agriculture And Rural Development
Debentures | -1% ₹130 Cr 1,300 8. Nippon India Money Market Fund
CAGR/Annualized return of 7.3% since its launch. Ranked 27 in Money Market category. Return for 2023 was 7.4% , 2022 was 5% and 2021 was 3.8% . Nippon India Money Market Fund
Growth Launch Date 16 Jun 05 NAV (20 Dec 24) ₹3,981.32 ↑ 0.79 (0.02 %) Net Assets (Cr) ₹17,424 on 30 Nov 24 Category Debt - Money Market AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.37 Sharpe Ratio 3.01 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.44% Effective Maturity 5 Months 22 Days Modified Duration 5 Months 10 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,612 30 Nov 21 ₹11,012 30 Nov 22 ₹11,530 30 Nov 23 ₹12,381 30 Nov 24 ₹13,336 Returns for Nippon India Money Market 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 1.8% 6 Month 3.7% 1 Year 7.7% 3 Year 6.7% 5 Year 5.9% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 5% 2021 3.8% 2020 6% 2019 8.1% 2018 7.9% 2017 6.6% 2016 7.6% 2015 8.3% 2014 9.1% Fund Manager information for Nippon India Money Market Fund
Name Since Tenure Kinjal Desai 16 Jul 18 6.38 Yr. Vikash Agarwal 14 Sep 24 0.21 Yr. Data below for Nippon India Money Market Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 90.93% Debt 8.84% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 58.64% Corporate 32.16% Government 8.97% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 08052025
Sovereign Bonds | -2% ₹292 Cr 30,000,000
↑ 30,000,000 07.38% MP Sdl 2025
Sovereign Bonds | -2% ₹276 Cr 27,500,000 08.10 JH Sdl 2025
Sovereign Bonds | -1% ₹251 Cr 25,000,000 182 DTB 27022025
Sovereign Bonds | -1% ₹246 Cr 25,000,000 182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -1% ₹148 Cr 15,000,000
↓ -6,500,000 182 DTB 18102024
Sovereign Bonds | -1% ₹148 Cr 15,000,000 India (Republic of)
- | -1% ₹147 Cr 15,000,000 364 DTB 13022025
Sovereign Bonds | -1% ₹109 Cr 11,000,000 08.06 AP Sdl 2025
Sovereign Bonds | -1% ₹100 Cr 10,000,000 08.09 Ts SDL 2025
Sovereign Bonds | -1% ₹100 Cr 10,000,000
এখানে প্রদত্ত তথ্য সঠিক কিনা তা নিশ্চিত করার জন্য সমস্ত প্রচেষ্টা করা হয়েছে। যাইহোক, তথ্যের সঠিকতা সম্পর্কে কোন গ্যারান্টি দেওয়া হয় না। কোনো বিনিয়োগ করার আগে স্কিমের তথ্য নথির সাথে যাচাই করুন।
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