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দীর্ঘমেয়াদী ঋণ তহবিল- আপনার কখন বিনিয়োগ করা উচিত?
দীর্ঘমেয়াদী ঋণ তহবিল এক ধরনের ঋণযৌথ পুঁজি যে কর্পোরেট বিনিয়োগবন্ড এবং সরকারী সিকিউরিটিজ (g-sec) যেগুলির একটি দীর্ঘমেয়াদী পরিপক্কতার সময়কাল রয়েছে৷ এই তহবিলের গড় পরিপক্কতা 3 বছরের বেশি, বেশিরভাগ সময়। সেই কারণে, এই তহবিলগুলি বিনিয়োগকারীদের জন্য উপযুক্ত যারা মধ্য থেকে দীর্ঘমেয়াদী করতে চানবিনিয়োগ পরিকল্পনা অর্থাৎ, সাধারণত 3-5 বছর বা তারও বেশি। আসুন বুঝুন কীভাবে দীর্ঘমেয়াদী ঋণ তহবিল কাজ করে এবং 2022-এ বিনিয়োগ করার জন্য সেরা দীর্ঘমেয়াদী বন্ড তহবিলগুলি কী কী।
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দীর্ঘমেয়াদী ঋণ তহবিল- দীর্ঘমেয়াদী বিনিয়োগের জন্য একটি পরিকল্পনা
দীর্ঘমেয়াদী ঋণ তহবিল তাদের প্রধান বিনিয়োগঅন্তর্নিহিত কর্পোরেট ডিবেঞ্চার, বন্ড এবং এর মতো ঋণ উপকরণে সম্পদঅর্থ বাজার উচ্চ পরিপক্কতার মেয়াদ সহ যন্ত্রপাতি এবং সরকারী সিকিউরিটিজ। বিনিয়োগকারীদের দীর্ঘমেয়াদী ঋণ তহবিলে বিনিয়োগ করা উচিত যদি তাদের বিনিয়োগের সময়সীমা 3 বছরের বেশি থাকে। এছাড়াও, এই তহবিলটি শুধুমাত্র সেই বিনিয়োগকারীদের জন্য উপযুক্ত যারা বিনিয়োগে কিছুটা ঝুঁকি নিতে ইচ্ছুক।
দীর্ঘমেয়াদী ঋণ তহবিল সুদের হারের পরিবর্তনের জন্য সংবেদনশীল এবং ঋণ তহবিলের অন্যান্য বিভাগের চেয়ে বেশি উদ্বায়ী। ঋণ যন্ত্রের সুদের হার এবং দামের একটি বিপরীত সম্পর্ক রয়েছে, যার অর্থ হল তারা বিপরীত দিকে চলে। উদাহরণস্বরূপ, একটি পতনশীল সুদের হার ঋণ তহবিল বা বন্ড তহবিলের জন্য ভাল। দীর্ঘ মেয়াদীআয় তহবিল সাধারণত উপকৃত হয় যখন সুদের হার নিচের দিকে চলে যায়। অধিকন্তু, সুদের হার হ্রাসের সময়, বন্ডের দাম বেড়ে যায় এবং এটি বৃদ্ধি পায়এনএভি এরঋণ তহবিল স্কিম
একটি পতনশীল সুদের হারের পরিস্থিতিতে, এই ধরনের বন্ডের গড় পরিপক্কতা প্রায় 7-10 বছর পর্যন্ত যেতে পারে। যখন সুদের হার বেড়ে যায়, তখন তারা কম মেয়াদী সিকিউরিটি স্টক আপ করে এবং পোর্টফোলিওর গড় পরিপক্কতা কম রাখে।
বেশিরভাগ ক্ষেত্রে, দীর্ঘমেয়াদী বন্ড তহবিলে বিনিয়োগ করার পরামর্শ দেওয়া হয় যখন সুদের হার কমার আশা করা হয় কারণ সুদের হার হ্রাস দীর্ঘমেয়াদী সিকিউরিটিজের দাম বৃদ্ধির কারণ হয়। বিনিয়োগকারীরা যারা সুদের হার ওঠানামা করতে স্বাচ্ছন্দ্য বোধ করেনবাজার, শুধুমাত্র পছন্দ করা উচিতবিনিয়োগ দীর্ঘমেয়াদী ঋণ তহবিলে.
রিটার্ন এবং ঝুঁকি
এই তহবিল অতিরিক্ত রিটার্ন দিতে বোঝানো হয়ব্যাংক স্থায়ী আমানত তদ্ব্যতীত, যদি তিন বছরের বেশি সময় ধরে রাখা হয়, তবে রিটার্নগুলি আরও কর দক্ষ। কিন্তু, ঝুঁকির দিক থেকে, এই তহবিলগুলি অস্থির হয়ে উঠতে পারে যখন সুদের হার হঠাৎ করে দিক পরিবর্তন করে। ক্রমবর্ধমান সুদের হারের শাসনে, এই তহবিলগুলি পরিমিত রিটার্ন দেয় কারণ তারা দীর্ঘ তারিখের বন্ড বিক্রি করতে পারে না এবং ছোট মেয়াদী স্ক্রিপ্টগুলিতে স্যুইচ করতে পারে না।
দীর্ঘমেয়াদী ঋণ তহবিল কর
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% |
দীর্ঘমেয়াদী বন্ড তহবিলে কীভাবে বিনিয়োগ করবেন?
বিনিয়োগকারীরা দুটি উপায়ে বিনিয়োগ করতে পারেন-চুমুক বা একক যোগফল। গড় বিনিয়োগকারীদের জন্য, SIP (সিস্টেমেটিক ইনভেস্টমেন্ট প্ল্যান) হল সবচেয়ে কার্যকর বিকল্প। এটি আপনাকে মাসিক/ত্রৈমাসিক/বার্ষিক বিনিয়োগের একটি পদ্ধতিগত বিকল্প দেয়ভিত্তি. এককভাবে, বিনিয়োগকারীদের স্কিমে এককালীন ডাউন পেমেন্ট হিসাবে যথেষ্ট পরিমাণ বিনিয়োগ করতে হবে। একটি একক পরিমাণের জন্য ন্যূনতম বিনিয়োগের পরিমাণ হল INR 5000, যেখানে একটি SIP-এর জন্য এটি INR 500৷
2022 সালে বিনিয়োগের জন্য সেরা দীর্ঘমেয়াদী বন্ড ফান্ড
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 HDFC Corporate Bond Fund Growth ₹31.454
↑ 0.01 ₹32,421 5,000 300 1.7 3.8 8.3 6.5 8.6 7.51% 3Y 10M 11D 5Y 11M 28D Aditya Birla Sun Life Corporate Bond Fund Growth ₹109.146
↑ 0.02 ₹25,341 1,000 100 1.8 3.9 8.2 6.8 8.5 7.48% 3Y 9M 14D 5Y 8M 19D Axis Gilt Fund Growth ₹24.6975
↓ -0.03 ₹917 5,000 1,000 1.5 3 8.2 6.5 10 7.08% 10Y 8M 8D 28Y 4M 24D Nippon India Prime Debt Fund Growth ₹57.8372
↑ 0.01 ₹6,195 1,000 100 1.8 3.9 8.2 6.7 8.4 7.43% 3Y 11M 1D 5Y 2M 16D Kotak Corporate Bond Fund Standard Growth ₹3,641.62
↑ 0.67 ₹14,223 5,000 1,000 1.7 3.8 8.1 6.4 8.3 7.41% 3Y 29D 4Y 6M 11D HDFC Gilt Fund Growth ₹53.5973
↓ -0.04 ₹2,983 5,000 300 1.8 3.2 8 6 8.7 7.07% 8Y 1M 3D 16Y 14D ICICI Prudential Corporate Bond Fund Growth ₹28.8216
↑ 0.01 ₹29,134 5,000 100 1.8 3.7 8 6.9 8 7.65% 2Y 4M 10D 3Y 10M 2D BNP Paribas Corporate Bond Fund Growth ₹26.4378
↑ 0.01 ₹210 5,000 300 1.7 3.9 8 5.8 8.3 7.33% 3Y 6M 4D 4Y 9M 25D Invesco India Corporate Bond Fund Growth ₹3,066.82
↑ 0.43 ₹5,789 5,000 100 1.7 3.7 7.9 6 8.1 7.37% 3Y 7M 28D 5Y ICICI Prudential Gilt Fund Growth ₹99.0618
↓ -0.01 ₹6,361 5,000 1,000 1.8 3.5 7.8 7.1 8.2 6.91% 3Y 7M 13D 6Y 6M 4D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Feb 25
(Erstwhile HDFC Medium Term Opportunities Fund) To generate regular income through investments in Debt/
Money Market Instruments and Government Securities with
maturities not exceeding 60 months. HDFC Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 29 Jun 10. It is a fund with Moderately Low risk and has given a Below is the key information for HDFC Corporate Bond Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Short Term Fund) An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities. Aditya Birla Sun Life Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 3 Mar 97. It is a fund with Moderately Low risk and has given a Below is the key information for Aditya Birla Sun Life Corporate Bond Fund Returns up to 1 year are on (Erstwhile Axis Constant Maturity 10 Year Fund) To generate returns similar to that of 10 year government bonds. Axis Gilt Fund is a Debt - Government Bond fund was launched on 23 Jan 12. It is a fund with Moderate risk and has given a Below is the key information for Axis Gilt Fund Returns up to 1 year are on (Erstwhile Reliance Medium Term Fund) The primary investment objective of the Scheme is to generate regular income in order to make regular dividend payments to unit-holders and the secondary objective is growth of capital. Nippon India Prime Debt Fund is a Debt - Corporate Bond fund was launched on 14 Sep 00. It is a fund with Moderately Low risk and has given a Below is the key information for Nippon India Prime Debt Fund Returns up to 1 year are on The primary objective of the Scheme is to generate income through investment primarily in low duration debt & money market securities. However, there is no
assurance that the objective of the scheme will be realized. Kotak Corporate Bond Fund Standard is a Debt - Corporate Bond fund was launched on 21 Sep 07. It is a fund with Moderately Low risk and has given a Below is the key information for Kotak Corporate Bond Fund Standard Returns up to 1 year are on (Erstwhile HDFC Gilt Fund - Long Term Plan) The scheme seeks to generate credit risk - free returns through investments in sovereign securities issued by the Central Government and / or State Governments. HDFC Gilt Fund is a Debt - Government Bond fund was launched on 25 Jul 01. It is a fund with Moderate risk and has given a Below is the key information for HDFC Gilt Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Ultra Short Term Plan) ICICI Prudential Ultra Short Term Plan is an open-ended income fund that intends to generate regular income through investments in a basket of debt and money market instruments of very short maturities with a view to providing reasonable returns, while maintaining an optimum balance of safety, liquidity and yield. However, there can be no assurance that the investment objective of the scheme will be realized. ICICI Prudential Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 11 Aug 09. It is a fund with Moderately Low risk and has given a Below is the key information for ICICI Prudential Corporate Bond Fund Returns up to 1 year are on The investment objective of the Scheme is to generate income and capital gains through investments in a portfolio of debt and money market instruments. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme launched hereunder does not guarantee/indicate any returns. BNP Paribas Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 8 Nov 08. It is a fund with Moderate risk and has given a Below is the key information for BNP Paribas Corporate Bond Fund Returns up to 1 year are on (Erstwhile Invesco India Active Income Fund) To generate optimal returns while maintaining liquidity through active management of the portfolio by investing in debt and money market instruments. As the portfolio of the scheme will be actively managed, the Scheme may have a high turnover in order to achieve the investment objective. Invesco India Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 2 Aug 07. It is a fund with Moderate risk and has given a Below is the key information for Invesco India Corporate Bond Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Long Term Gilt Fund) To generate income through investment in Gilts of various maturities. ICICI Prudential Gilt Fund is a Debt - Government Bond fund was launched on 19 Aug 99. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Gilt Fund Returns up to 1 year are on 1. HDFC Corporate Bond Fund
CAGR/Annualized return of 8.1% since its launch. Ranked 2 in Corporate Bond category. Return for 2024 was 8.6% , 2023 was 7.2% and 2022 was 3.3% . HDFC Corporate Bond Fund
Growth Launch Date 29 Jun 10 NAV (20 Feb 25) ₹31.454 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹32,421 on 31 Jan 25 Category Debt - Corporate Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.59 Sharpe Ratio 2.27 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 7.51% Effective Maturity 5 Years 11 Months 28 Days Modified Duration 3 Years 10 Months 11 Days Growth of 10,000 investment over the years.
Date Value Returns for HDFC Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.7% 3 Month 1.7% 6 Month 3.8% 1 Year 8.3% 3 Year 6.5% 5 Year 6.7% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.6% 2022 7.2% 2021 3.3% 2020 3.9% 2019 11.8% 2018 10.3% 2017 6.5% 2016 6.5% 2015 10.6% 2014 8.6% Fund Manager information for HDFC Corporate Bond Fund
Name Since Tenure Data below for HDFC Corporate Bond Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. Aditya Birla Sun Life Corporate Bond Fund
CAGR/Annualized return of 8.9% since its launch. Ranked 1 in Corporate Bond category. Return for 2024 was 8.5% , 2023 was 7.3% and 2022 was 4.1% . Aditya Birla Sun Life Corporate Bond Fund
Growth Launch Date 3 Mar 97 NAV (20 Feb 25) ₹109.146 ↑ 0.02 (0.02 %) Net Assets (Cr) ₹25,341 on 31 Jan 25 Category Debt - Corporate Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.5 Sharpe Ratio 1.92 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.48% Effective Maturity 5 Years 8 Months 19 Days Modified Duration 3 Years 9 Months 14 Days Growth of 10,000 investment over the years.
Date Value Returns for Aditya Birla Sun Life Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 3.9% 1 Year 8.2% 3 Year 6.8% 5 Year 7% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.5% 2022 7.3% 2021 4.1% 2020 4% 2019 11.9% 2018 9.6% 2017 7% 2016 6.5% 2015 10.2% 2014 8.9% Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund
Name Since Tenure Data below for Aditya Birla Sun Life Corporate Bond Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. Axis Gilt Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 16 in Government Bond category. Return for 2024 was 10% , 2023 was 7.1% and 2022 was 2.4% . Axis Gilt Fund
Growth Launch Date 23 Jan 12 NAV (20 Feb 25) ₹24.6975 ↓ -0.03 (-0.11 %) Net Assets (Cr) ₹917 on 15 Feb 25 Category Debt - Government Bond AMC Axis Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 0.79 Sharpe Ratio 1.07 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.08% Effective Maturity 28 Years 4 Months 24 Days Modified Duration 10 Years 8 Months 8 Days Growth of 10,000 investment over the years.
Date Value Returns for Axis Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 3% 1 Year 8.2% 3 Year 6.5% 5 Year 6.5% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 10% 2022 7.1% 2021 2.4% 2020 2.4% 2019 13.1% 2018 12% 2017 5.3% 2016 1.4% 2015 13.7% 2014 6.3% Fund Manager information for Axis Gilt Fund
Name Since Tenure Data below for Axis Gilt Fund as on 15 Feb 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. Nippon India Prime Debt Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 20 in Corporate Bond category. Return for 2024 was 8.4% , 2023 was 7.1% and 2022 was 4.3% . Nippon India Prime Debt Fund
Growth Launch Date 14 Sep 00 NAV (20 Feb 25) ₹57.8372 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹6,195 on 31 Jan 25 Category Debt - Corporate Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.69 Sharpe Ratio 1.71 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.43% Effective Maturity 5 Years 2 Months 16 Days Modified Duration 3 Years 11 Months 1 Day Growth of 10,000 investment over the years.
Date Value Returns for Nippon India Prime Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 3.9% 1 Year 8.2% 3 Year 6.7% 5 Year 6.6% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.4% 2022 7.1% 2021 4.3% 2020 4.7% 2019 9.5% 2018 7.8% 2017 6.9% 2016 6.6% 2015 9.1% 2014 8.7% Fund Manager information for Nippon India Prime Debt Fund
Name Since Tenure Data below for Nippon India Prime Debt Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. Kotak Corporate Bond Fund Standard
CAGR/Annualized return of 7.7% since its launch. Ranked 15 in Corporate Bond category. Return for 2024 was 8.3% , 2023 was 6.9% and 2022 was 3.7% . Kotak Corporate Bond Fund Standard
Growth Launch Date 21 Sep 07 NAV (20 Feb 25) ₹3,641.62 ↑ 0.67 (0.02 %) Net Assets (Cr) ₹14,223 on 31 Jan 25 Category Debt - Corporate Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.67 Sharpe Ratio 1.71 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.41% Effective Maturity 4 Years 6 Months 11 Days Modified Duration 3 Years 29 Days Growth of 10,000 investment over the years.
Date Value Returns for Kotak Corporate Bond Fund Standard
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.7% 3 Month 1.7% 6 Month 3.8% 1 Year 8.1% 3 Year 6.4% 5 Year 6.3% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.3% 2022 6.9% 2021 3.7% 2020 3.8% 2019 9.7% 2018 9.6% 2017 7.5% 2016 6.9% 2015 9.4% 2014 8.8% Fund Manager information for Kotak Corporate Bond Fund Standard
Name Since Tenure Data below for Kotak Corporate Bond Fund Standard as on 31 Jan 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 6. HDFC Gilt Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 7 in Government Bond category. Return for 2024 was 8.7% , 2023 was 7.1% and 2022 was 1.7% . HDFC Gilt Fund
Growth Launch Date 25 Jul 01 NAV (20 Feb 25) ₹53.5973 ↓ -0.04 (-0.07 %) Net Assets (Cr) ₹2,983 on 31 Jan 25 Category Debt - Government Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.88 Sharpe Ratio 0.83 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 7.07% Effective Maturity 16 Years 14 Days Modified Duration 8 Years 1 Month 3 Days Growth of 10,000 investment over the years.
Date Value Returns for HDFC Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.2% 1 Year 8% 3 Year 6% 5 Year 5.7% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.7% 2022 7.1% 2021 1.7% 2020 2.2% 2019 10.7% 2018 8.6% 2017 5.4% 2016 1.8% 2015 16.6% 2014 5.9% Fund Manager information for HDFC Gilt Fund
Name Since Tenure Data below for HDFC Gilt Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 7. ICICI Prudential Corporate Bond Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 7 in Corporate Bond category. Return for 2024 was 8% , 2023 was 7.6% and 2022 was 4.5% . ICICI Prudential Corporate Bond Fund
Growth Launch Date 11 Aug 09 NAV (20 Feb 25) ₹28.8216 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹29,134 on 31 Jan 25 Category Debt - Corporate Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.57 Sharpe Ratio 2.3 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.65% Effective Maturity 3 Years 10 Months 2 Days Modified Duration 2 Years 4 Months 10 Days Growth of 10,000 investment over the years.
Date Value Returns for ICICI Prudential Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 3.7% 1 Year 8% 3 Year 6.9% 5 Year 6.8% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 8% 2022 7.6% 2021 4.5% 2020 4.1% 2019 10.4% 2018 9.9% 2017 6.4% 2016 6.3% 2015 9.8% 2014 8.8% Fund Manager information for ICICI Prudential Corporate Bond Fund
Name Since Tenure Data below for ICICI Prudential Corporate Bond Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 8. BNP Paribas Corporate Bond Fund
CAGR/Annualized return of 6.2% since its launch. Ranked 24 in Corporate Bond category. Return for 2024 was 8.3% , 2023 was 7% and 2022 was 1.6% . BNP Paribas Corporate Bond Fund
Growth Launch Date 8 Nov 08 NAV (20 Feb 25) ₹26.4378 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹210 on 15 Feb 25 Category Debt - Corporate Bond AMC BNP Paribas Asset Mgmt India Pvt. Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.56 Sharpe Ratio 1.53 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-12 Months (1%),12-24 Months (0.5%),24-36 Months (0.25%),36 Months and above(NIL) Yield to Maturity 7.33% Effective Maturity 4 Years 9 Months 25 Days Modified Duration 3 Years 6 Months 4 Days Growth of 10,000 investment over the years.
Date Value Returns for BNP Paribas Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.9% 1 Year 8% 3 Year 5.8% 5 Year 5.6% 10 Year 15 Year Since launch 6.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.3% 2022 7% 2021 1.6% 2020 2.2% 2019 9.9% 2018 0.9% 2017 5.2% 2016 6.7% 2015 10.8% 2014 7.2% Fund Manager information for BNP Paribas Corporate Bond Fund
Name Since Tenure Data below for BNP Paribas Corporate Bond Fund as on 15 Feb 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 9. Invesco India Corporate Bond Fund
CAGR/Annualized return of 6.6% since its launch. Ranked 27 in Corporate Bond category. Return for 2024 was 8.1% , 2023 was 6.7% and 2022 was 2.9% . Invesco India Corporate Bond Fund
Growth Launch Date 2 Aug 07 NAV (20 Feb 25) ₹3,066.82 ↑ 0.43 (0.01 %) Net Assets (Cr) ₹5,789 on 31 Jan 25 Category Debt - Corporate Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆ Risk Moderate Expense Ratio 0.66 Sharpe Ratio 1.29 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.37% Effective Maturity 5 Years Modified Duration 3 Years 7 Months 28 Days Growth of 10,000 investment over the years.
Date Value Returns for Invesco India Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.7% 3 Month 1.7% 6 Month 3.7% 1 Year 7.9% 3 Year 6% 5 Year 6% 10 Year 15 Year Since launch 6.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.1% 2022 6.7% 2021 2.9% 2020 3.4% 2019 10.1% 2018 11.1% 2017 4% 2016 1.8% 2015 14.1% 2014 5.2% Fund Manager information for Invesco India Corporate Bond Fund
Name Since Tenure Data below for Invesco India Corporate Bond Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 10. ICICI Prudential Gilt Fund
CAGR/Annualized return of 9.4% since its launch. Ranked 5 in Government Bond category. Return for 2024 was 8.2% , 2023 was 8.3% and 2022 was 3.7% . ICICI Prudential Gilt Fund
Growth Launch Date 19 Aug 99 NAV (20 Feb 25) ₹99.0618 ↓ -0.01 (-0.01 %) Net Assets (Cr) ₹6,361 on 31 Jan 25 Category Debt - Government Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.12 Sharpe Ratio 0.81 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.91% Effective Maturity 6 Years 6 Months 4 Days Modified Duration 3 Years 7 Months 13 Days Growth of 10,000 investment over the years.
Date Value Returns for ICICI Prudential Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.5% 1 Year 7.8% 3 Year 7.1% 5 Year 6.8% 10 Year 15 Year Since launch 9.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.2% 2022 8.3% 2021 3.7% 2020 3.8% 2019 12.6% 2018 10.8% 2017 6.8% 2016 2.1% 2015 18.2% 2014 5.5% Fund Manager information for ICICI Prudential Gilt Fund
Name Since Tenure Data below for ICICI Prudential Gilt Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity
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