5 সেরা পারফর্মিং ইন্টারমিডিয়েট ডেট ফান্ড এসআইপি ইনভেস্টমেন্ট 2022

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এসআইপিতে বিনিয়োগের জন্য শীর্ষ 5টি সেরা পারফরমিং ইন্টারমিডিয়েট বা মিড টার্ম ডেট ফান্ড
কীভাবে অনলাইনে ঋণ তহবিলে বিনিয়োগ করবেন?
Top 5 Debt - Medium term Bond Funds

এসআইপি বিনিয়োগ 2022-এর জন্য সেরা মধ্যবর্তী ঋণ তহবিল

Updated on March 29, 2025 , 1625 views

মধ্যবর্তীবন্ড মধ্যমেয়াদী তহবিল নামেও পরিচিত এক ধরনের ঋণযৌথ পুঁজি যেগুলি 3 বছর বা তার বেশি সময়ের জন্য সময় দিগন্তের সাথে ঋণ সিকিউরিটিজে বিনিয়োগ করে। মধ্য-মেয়াদী তহবিলের গড় পরিপক্কতার সময়কাল তরল, অতি-স্বল্প এবং স্বল্প-মেয়াদীর চেয়ে বেশিঋণ তহবিল. সাম্প্রতিক সময়ে, ভারতে ধারাবাহিক হার কমানোর কারণে মাঝারি তহবিলগুলি সেরা রিটার্ন প্রদান করেছে। এই তহবিলগুলি সুদের হারের প্রতি কম সংবেদনশীল, এবং তাই দীর্ঘ মেয়াদী তহবিলের তুলনায় কম অস্থির হয়গিল্ট ফান্ড. সেরা ফলাফলের জন্য, বিনিয়োগকারীদের একটি মাধ্যমে সেরা মধ্যবর্তী ঋণ তহবিলে বিনিয়োগ করার পরামর্শ দেওয়া হয়চুমুক. বিনিয়োগকারীরা নীচের পূর্ব-তালিকাভুক্ত শীর্ষ রেটযুক্ত মধ্য-মেয়াদী ঋণ তহবিল থেকে সেরা পারফরমিং স্কিম বেছে নিতে পারেন।

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এসআইপিতে বিনিয়োগের জন্য শীর্ষ 5টি সেরা পারফর্মিং ইন্টারমিডিয়েট বা মিড টার্ম ডেট ফান্ড

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
Aditya Birla Sun Life Medium Term Plan Growth	₹38.8187 ↑ 0.02	₹2,144	1,000	4.4	7.6	13	13.7	12.1	10.5
Axis Strategic Bond Fund Growth	₹27.3652 ↑ 0.01	₹1,987	1,000	2.4	4.1	8.7	7	6.9	8.7
Nippon India Strategic Debt Fund Growth	₹15.1453 ↑ 0.01	₹103	100	2.3	4	8.6	6.3	7.5	8.3
Kotak Dynamic Bond Fund Growth	₹36.8708 ↑ 0.01	₹3,001	1,000	2.5	2.8	8.5	6.7	6.5	9.3
DSP BlackRock Bond Fund Growth	₹79.9973 ↑ 0.04	₹303	500	2.7	4.1	8.4	6.5	6.2	7.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Mar 25

1. Aditya Birla Sun Life Medium Term Plan

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 CAGR/Annualized return of 8.8% since its launch. Ranked 6 in Medium term Bond category. Return for 2024 was 10.5% , 2023 was 6.9% and 2022 was 24.8% .

Below is the key information for Aditya Birla Sun Life Medium Term Plan

Aditya Birla Sun Life Medium Term Plan Growth
Launch Date	25 Mar 09
NAV (31 Mar 25)	₹38.8187 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹2,144 on 28 Feb 25
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	2.22
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	7.72%
Effective Maturity	5 Years 1 Month 20 Days
Modified Duration	3 Years 9 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,987
31 Mar 22	₹12,025
31 Mar 23	₹14,567
31 Mar 24	₹15,635
31 Mar 25	₹17,673

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹218,539.
Net Profit of ₹38,539 Invest Now

Returns for Aditya Birla Sun Life Medium Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Mar 25

Duration	Returns
1 Month	1.1%
3 Month	4.4%
6 Month	7.6%
1 Year	13%
3 Year	13.7%
5 Year	12.1%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	10.5%
2022	6.9%
2021	24.8%
2020	7.1%
2019	8.1%
2018	-4.4%
2017	5.6%
2016	7%
2015	10.9%
2014	9.5%

Fund Manager information for Aditya Birla Sun Life Medium Term Plan

Name	Since	Tenure
Sunaina Cunha	1 Sep 14	10.59 Yr.
Mohit Sharma	6 Aug 20	4.65 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	3.74%
Equity	4.08%
Debt	91.93%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	51.47%
Government	39.97%
Cash Equivalent	3.74%
Securitized	0.5%

Credit Quality

Rating	Value
A	3.53%
AA	30.9%
AAA	63.02%
BBB	2.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	22%	₹483 Cr	47,000,000 ↓ -1,500,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹100 Cr	10,000 ↑ 10,000
Nuvama Wealth Finance Ltd Debentures \| -	4%	₹95 Cr	9,500 ↑ 1,500
7.1% Govt Stock 2034 Sovereign Bonds \| -	4%	₹94 Cr	9,196,700 ↑ 500,000
360 One Prime Ltd. 9.4% Debentures \| -	3%	₹65 Cr	6,500 ↑ 6,500
Narayana Hrudayalaya Limited Debentures \| -	3%	₹60 Cr	6,000
Vedanta Limited Debentures \| -	3%	₹60 Cr	6,000
7.23% Government Of India (15/04/2039) Sovereign Bonds \| -	2%	₹52 Cr	5,000,000
LIC Housing Finance Limited Debentures \| -	2%	₹50 Cr	5,000
Creditaccess Grameen Limited Debentures \| -	2%	₹50 Cr	500,000

2. Axis Strategic Bond Fund

(Erstwhile Axis Income Fund)

To generate optimal returns in the medium term while maintaining liquidity of the portfolio by investing in debt and money market instruments.

Axis Strategic Bond Fund is a Debt - Medium term Bond fund was launched on 28 Mar 12. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8% since its launch. Ranked 7 in Medium term Bond category. Return for 2024 was 8.7% , 2023 was 7.3% and 2022 was 3.8% .

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund Growth
Launch Date	28 Mar 12
NAV (31 Mar 25)	₹27.3652 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹1,987 on 28 Feb 25
Category	Debt - Medium term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.06
Sharpe Ratio	1.41
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	8.05%
Effective Maturity	5 Years
Modified Duration	3 Years 6 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,801
31 Mar 22	₹11,410
31 Mar 23	₹11,926
31 Mar 24	₹12,870
31 Mar 25	₹13,992

Axis Strategic 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 Axis Strategic 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 31 Mar 25

Duration	Returns
1 Month	1.3%
3 Month	2.4%
6 Month	4.1%
1 Year	8.7%
3 Year	7%
5 Year	6.9%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8.7%
2022	7.3%
2021	3.8%
2020	5.2%
2019	10.5%
2018	7.1%
2017	6.7%
2016	7.5%
2015	11.6%
2014	6.8%

Fund Manager information for Axis Strategic Bond Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	12.41 Yr.
Sachin Jain	1 Feb 23	2.16 Yr.
Akhil Thakker	1 Feb 23	2.16 Yr.

Data below for Axis Strategic Bond Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	4.99%
Equity	0.39%
Debt	94.34%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	55.97%
Government	38.37%
Cash Equivalent	4.99%

Credit Quality

Rating	Value
A	10.23%
AA	38.82%
AAA	50.94%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	15%	₹298 Cr	29,100,000 ↓ -500,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	5%	₹93 Cr	9,100,000 ↓ -12,700,000
Nirma Limited Debentures \| -	3%	₹60 Cr	6,000
Vedanta Limited Debentures \| -	3%	₹60 Cr	6,000
Nuvama Wealth Finance Limited 9.75% Debentures \| -	3%	₹58 Cr	5,800
DLF Cyber City Developers Ltd. 8.4% Debentures \| -	3%	₹55 Cr	5,500
Aadhar Housing Finance Ltd. 8.65% Debentures \| -	3%	₹52 Cr	5,200
Mahanagar Telephone Nigam Limited Debentures \| -	3%	₹50 Cr	5,000
Aptus Finance India Pvt Ltd. 8.95% Debentures \| -	3%	₹49 Cr	5,000 ↑ 5,000
Tata Projects Limited Debentures \| -	2%	₹46 Cr	4,600

3. Nippon India Strategic Debt Fund

(Erstwhile Reliance Classic Bond Fund)

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity. The scheme would focus its investments predominantly in corporate bonds of various maturities and across ratings for the purpose of achieving regular income and capital appreciation.

Nippon India Strategic Debt Fund is a Debt - Medium term Bond fund was launched on 26 Jun 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 3.9% since its launch. Ranked 7 in Medium term Bond category. Return for 2024 was 8.3% , 2023 was 7% and 2022 was 2% .

Below is the key information for Nippon India Strategic Debt Fund

Nippon India Strategic Debt Fund Growth
Launch Date	26 Jun 14
NAV (31 Mar 25)	₹15.1453 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹103 on 28 Feb 25
Category	Debt - Medium term Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.92
Sharpe Ratio	1.48
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	8.03%
Effective Maturity	4 Years 9 Months 29 Days
Modified Duration	3 Years 5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,148
31 Mar 22	₹11,959
31 Mar 23	₹12,390
31 Mar 24	₹13,244
31 Mar 25	₹14,379

Nippon India Strategic Debt 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 Nippon India Strategic Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Mar 25

Duration	Returns
1 Month	1.2%
3 Month	2.3%
6 Month	4%
1 Year	8.6%
3 Year	6.3%
5 Year	7.5%
10 Year
15 Year
Since launch	3.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8.3%
2022	7%
2021	2%
2020	17.4%
2019	-23.5%
2018	-3.4%
2017	4.7%
2016	6.9%
2015	11.1%
2014	9%

Fund Manager information for Nippon India Strategic Debt Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	6.86 Yr.
Sushil Budhia	1 Feb 20	5.17 Yr.
Akshay Sharma	1 Dec 22	2.33 Yr.

Data below for Nippon India Strategic Debt Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	15.36%
Debt	84.19%
Other	0.45%

Debt Sector Allocation

Sector	Value
Corporate	51.94%
Government	32.25%
Cash Equivalent	15.36%

Credit Quality

Rating	Value
AA	62.54%
AAA	37.46%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	25%	₹26 Cr	2,500,000
Truhome Finance Ltd. 9.25% Debentures \| -	5%	₹5 Cr	500
Godrej Industries Limited Debentures \| -	5%	₹5 Cr	500
Aadhar Housing Finance Limited Debentures \| -	5%	₹5 Cr	500
JSW Steel Limited Debentures \| -	5%	₹5 Cr	50
Manappuram Finance Limited Debentures \| -	5%	₹5 Cr	500
Century Textiles And Industries Limited Debentures \| -	5%	₹5 Cr	500
Delhi International Airport Limited Debentures \| -	4%	₹4 Cr	400
Indostar Capital Finance Limited Debentures \| -	4%	₹4 Cr	400
5.63% Govt Stock 2026 Sovereign Bonds \| -	3%	₹3 Cr	351,700

4. Kotak Dynamic Bond Fund

(Erstwhile Kotak Flexi Debt Scheme)

To maximize returns through active management of a portfolio of debt and money market securities.

Kotak Dynamic Bond Fund is a Debt - Medium term Bond fund was launched on 26 May 08. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.1% since its launch. Ranked 23 in Medium term Bond category. Return for 2024 was 9.3% , 2023 was 6.5% and 2022 was 2.5% .

Below is the key information for Kotak Dynamic Bond Fund

Kotak Dynamic Bond Fund Growth
Launch Date	26 May 08
NAV (31 Mar 25)	₹36.8708 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹3,001 on 28 Feb 25
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.3
Sharpe Ratio	0.09
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.24%
Effective Maturity	18 Years 4 Months 2 Days
Modified Duration	8 Years 3 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,789
31 Mar 22	₹11,293
31 Mar 23	₹11,624
31 Mar 24	₹12,647
31 Mar 25	₹13,721

Kotak Dynamic 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 Dynamic 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 31 Mar 25

Duration	Returns
1 Month	2%
3 Month	2.5%
6 Month	2.8%
1 Year	8.5%
3 Year	6.7%
5 Year	6.5%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	9.3%
2022	6.5%
2021	2.5%
2020	3.2%
2019	11.7%
2018	11.1%
2017	7.3%
2016	5.6%
2015	13.4%
2014	7.5%

Fund Manager information for Kotak Dynamic Bond Fund

Name	Since	Tenure
Deepak Agrawal	25 Nov 12	12.35 Yr.
Abhishek Bisen	1 Nov 22	2.42 Yr.

Data below for Kotak Dynamic Bond Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	2.29%
Equity	4.97%
Debt	91.25%
Other	1.5%

Debt Sector Allocation

Sector	Value
Government	74.23%
Corporate	17.02%
Cash Equivalent	2.29%

Credit Quality

Rating	Value
AA	9.48%
AAA	90.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2053 Sovereign Bonds \| -	43%	₹1,261 Cr	122,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	13%	₹375 Cr	36,609,620 ↓ -500,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	9%	₹278 Cr	27,053,280
7.25% Govt Stock 2063 Sovereign Bonds \| -	6%	₹169 Cr	16,500,000 ↓ -1,000,000
Muthoot Finance Limited Debentures \| -	5%	₹152 Cr	15,000
HDFC Bank Limited Debentures \| -	3%	₹86 Cr	850
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| 542602	3%	₹81 Cr	2,209,204
TATA Steel Limited Debentures \| -	3%	₹75 Cr	750
HDFC Bank Limited Debentures \| -	2%	₹71 Cr	7,000
HDFC Bank Limited Debentures \| -	2%	₹51 Cr	500

5. DSP BlackRock Bond Fund

Aims to generate attractive returns consistent with prudent risk from a diversified portfolio substantially constituted of high quality debt securities.

DSP BlackRock Bond Fund is a Debt - Medium term Bond fund was launched on 29 Apr 97. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.7% since its launch. Ranked 17 in Medium term Bond category. Return for 2024 was 7.6% , 2023 was 7% and 2022 was 2.9% .

Below is the key information for DSP BlackRock Bond Fund

DSP BlackRock Bond Fund Growth
Launch Date	29 Apr 97
NAV (31 Mar 25)	₹79.9973 ↑ 0.04 (0.05 %)
Net Assets (Cr)	₹303 on 28 Feb 25
Category	Debt - Medium term Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	0.68
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-6 Months (0.25%),6 Months and above(NIL)
Yield to Maturity	7.36%
Effective Maturity	4 Years 4 Days
Modified Duration	3 Years 2 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,731
31 Mar 22	₹11,177
31 Mar 23	₹11,585
31 Mar 24	₹12,461
31 Mar 25	₹13,510

DSP BlackRock 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 DSP BlackRock 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 31 Mar 25

Duration	Returns
1 Month	1.5%
3 Month	2.7%
6 Month	4.1%
1 Year	8.4%
3 Year	6.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.6%
2022	7%
2021	2.9%
2020	3.4%
2019	10%
2018	3%
2017	3.6%
2016	5%
2015	12.9%
2014	6%

Fund Manager information for DSP BlackRock Bond Fund

Name	Since	Tenure
Vivek Ramakrishnan	17 Jul 21	3.71 Yr.
Karan Mundhra	1 May 21	3.92 Yr.

Data below for DSP BlackRock Bond Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	17.73%
Debt	81.56%
Other	0.71%

Debt Sector Allocation

Sector	Value
Corporate	58.06%
Government	39.35%
Cash Equivalent	1.89%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.17% Govt Stock 2030 Sovereign Bonds \| -	14%	₹42 Cr	4,000,000
Indian Railway Finance Corporation Limited Debentures \| -	9%	₹26 Cr	2,500
LIC Housing Finance Limited Debentures \| -	9%	₹26 Cr	2,500
Small Industries Development Bank Of India Debentures \| -	9%	₹26 Cr	2,500
National Bank For Agriculture And Rural Development Debentures \| -	8%	₹26 Cr	2,500
Rec Limited 7.34% Debentures \| -	8%	₹26 Cr	2,500
Power Finance Corporation Ltd. Debentures \| -	8%	₹25 Cr	2,500
Export-Import Bank Of India Debentures \| -	8%	₹25 Cr	2,500
Bajaj Finance Limited Debentures \| -	8%	₹25 Cr	250
Roadstar Infra Investment Trust - \| -	0%	₹1 Cr	146,667 ↑ 146,667

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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।