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એફડી વિ ડેટ મ્યુચ્યુઅલ ફંડ
FD વિડેટ ફંડ? વિચારતાક્યાં રોકાણ કરવું સારું વળતર મેળવવા માટે તમારી બચત. સામાન્ય રીતે, લોકો ધ્યાનમાં લે છેરોકાણ ફિક્સ્ડ ડિપોઝિટ અથવા FDમાં સૌથી અનુકૂળ વિકલ્પ છે કારણ કે તે સુરક્ષિત છે અને નિશ્ચિત વળતર આપે છે. પરંતુ શું તે શ્રેષ્ઠ માર્ગ છે? જોકે ફિક્સ્ડ ડિપોઝિટ એ બધા માટે રોકાણનો સરળ વિકલ્પ છે, તેમ છતાં, ડેટ ફંડની સરખામણીમાં ફિક્સ્ડ ડિપોઝિટનું વળતર કરપાત્ર છે. વધુમાં, જ્યારે લાંબા સમય સુધી રાખવામાં આવે છે, ત્યારે દેવુંમ્યુચ્યુઅલ ફંડ સારું વળતર આપે છે. ડેટ મ્યુચ્યુઅલ ફંડ અથવા ફિક્સ્ડ ડિપોઝિટમાં રોકાણ કરવાનો અંતિમ નિર્ણય લેતા પહેલા, આ રોકાણોની વિગતવાર તુલના કરો.
સારમાં:
ડેટ મ્યુચ્યુઅલ ફંડ (ડેટ ફંડ) વિ ફિક્સ્ડ ડિપોઝિટ (એફડી)
અમારે જોખમ લેવાની ક્ષમતા અને ઇચ્છિત હોલ્ડિંગ અવધિ દ્વારા આને તોડવું પડશેરોકાણકાર પ્રશ્નમાં
શોર્ટ હોલ્ડિંગ પીરિયડ (1 વર્ષ કે તેથી ઓછો)
અહીં ડેટ ફંડ માટેના વિકલ્પો મર્યાદિત હશેલિક્વિડ ફંડ્સ, અતિ-ટૂંકા ગાળાના ભંડોળ અને ટૂંકા ગાળાનાઆવક ભંડોળ. જ્યારે રિટર્ન અથવા યીલ્ડ સામાન્ય રીતે લિક્વિડથી અલ્ટ્રા-શોર્ટથી શોર્ટ ટર્મ ફંડમાં વધારે હશે, ત્યારે આ ડેટ ફંડ્સ અને ફિક્સ્ડ ડિપોઝિટ વચ્ચેના યીલ્ડનો તફાવત છેલ્લા એક વર્ષમાં તેમના વળતરને ધ્યાનમાં લઈને નક્કી કરી શકાય છે.
ડેટ મ્યુચ્યુઅલ ફંડ (શ્રેણી સરેરાશ વળતર)
| ડેટ મ્યુચ્યુઅલ ફંડનો પ્રકાર | છેલ્લા 1 વર્ષ. વળતર (%) |
|---|---|
| લિક્વિડ ફંડ | 7.36 |
| અલ્ટ્રા શોર્ટ ટર્મ ડેટ ફંડ્સ | 9.18 |
| ટૂંકા ગાળાના દેવું ભંડોળ | 9.78 |
| ડાયનેમિક ડેટ ફંડ્સ | 13.89 |
| લાંબા ગાળાના દેવું ભંડોળ | 13.19 |
| ગિલ્ટ ટૂંકા ગાળાના ભંડોળ | 11.76 |
| ગિલ્ટ લાંબા ગાળાના ફંડ્સ | 15.06 |
| 20મી ફેબ્રુઆરી 2017 સુધીનો ડેટા |
ફિક્સ્ડ ડિપોઝિટ અથવા FD સરેરાશ વળતર દર
ફિક્સ્ડ ડિપોઝિટનો સરેરાશ વળતર દર 8-8.5% p.a સુધીનો હતો. વર્ષ 2016 માં (જેથી કોઈ પણ કોષ્ટકમાં ઉપરના વળતરની તુલના કરી શકે છે). જો કે, છેલ્લા એક વર્ષમાં, વળતર દર ઘટીને 6.6-7.5% p.a.
ઉપરોક્ત ઉદાહરણ સાથે, તે સ્પષ્ટ છે કે ડેટ ફંડના વળતરનો સરેરાશ દર ફિક્સ્ડ ડિપોઝિટ કરતા વધુ સારો છે.
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લાંબા ગાળાની હોલ્ડિંગ અવધિ
લાંબા હેતુવાળા હોલ્ડિંગ સમયગાળા સાથે, ડેટ ફંડ્સ FD કરતાં વધુ સારા સાબિત થઈ શકે છે.
અહીં રોકાણ કરવાના વિકલ્પો આ હશે:
- લાંબા ગાળાની આવક ભંડોળ
- લાંબા ગાળાની ગિલ્ટ,
- કોર્પોરેટબોન્ડ ફંડ્સ (ઉચ્ચ ઉપજ ભંડોળ), લિક્વિડ ઉપર દર્શાવેલ વિકલ્પો ઉપરાંત, અલ્ટ્રા-શોર્ટ અને ટૂંકા ગાળાના ભંડોળનો પણ ઉપયોગ કરી શકાય છે.
આપેલ છે કે હોલ્ડિંગનો સમયગાળો 3 વર્ષ કે તેથી વધુ હોઈ શકે છે, અમે નીચે મુજબ કહી શકીએ છીએ:
- સાથેપાટનગર ઈન્ડેક્સેશન બેનિફિટ્સ સાથે 20% પર ગેઈન ટેક્સ, ચોખ્ખી ટેક્સની ઘટનાઓ ન્યૂનતમ હશે (જો કે કોઈએ ટેક્સ લાગતા વર્ષને જોતાં ટેક્સની ઘટનાઓની ગણતરી કરવી જોઈએ)
- લાંબા ગાળાની આવક ભંડોળ/ગિલ્ટ ફંડ્સ ઉચ્ચ ઉપજ સાથે અને વધુમાં, જો વ્યાજ દરો નીચે જશે તો ઘણું ઊંચું વળતર આપશે.
- આ ડેટ ફંડ્સ સાથે કોઈ વ્યક્તિ ઉચ્ચ બે આંકડામાં વળતર મેળવી શકે છે.
લાંબા ગાળાના આવક ભંડોળ પરના વળતરનું નીચેનું ઉદાહરણ લો, શ્રેણી માટે સરેરાશ છેલ્લા 1-વર્ષનું વળતર 12.19% છે અને છેલ્લા 3 વર્ષમાં 10.32% p.a. આ સમયગાળા દરમિયાન કોઈપણ FD સમાન વળતર આપી શકતી ન હતી. ગિલ્ટ ફંડનું વળતર પણ વધારે છે. આ જ સમયગાળામાં, ગયા વર્ષે FD દર મોટાભાગની બેંકોમાં વાર્ષિક 8-8.5% ની નજીક હોત, (જોકે આજે દર વધુ ઘટીને 6.5 - 7.5% થઈ ગયા છે)
તેથી રોકાણકાર પાસે લાંબા ગાળાની હોલ્ડિંગ અવધિ હોય અને વ્યાજ દરો ઘટતા હોય, ડેટ ફંડ (લાંબા ગાળાની આવક અથવા ગિલ્ટ) FD કરતાં વધુ સારું વળતર આપશે. વ્યાજ દરો ન ઘટવાના કિસ્સામાં પણ, ઉચ્ચ ઉપજ ધરાવતા કોર્પોરેટ બોન્ડ ફંડ્સ એ જ સમયગાળામાં એફડીને હરાવી દેશે.
ડેટ મ્યુચ્યુઅલ ફંડ્સ અને ફિક્સ્ડ ડિપોઝિટ પર કરવેરા
ડેટ ફંડ્સ અને ફિક્સ્ડ ડિપોઝિટના વળતરને નિર્ધારિત કરવામાં પણ કરવેરા મહત્વની ભૂમિકા ભજવે છે. સામાન્ય રીતે, ફિક્સ્ડ ડિપોઝિટ પર કરવેરા 33% (કરનો સીમાંત દર) છે જ્યારે ડેટ ફંડ્સ પર જો કોઈ વ્યક્તિ 3-વર્ષથી ઓછા વ્યુ સાથે રોકાણ કરે છે તો ડીડીટી (ડિવિડન્ડ ડિસ્ટ્રિબ્યુશન ટેક્સ) કાપવામાં આવે તે જોતાં ડિવિડન્ડ ડિસ્ટ્રિબ્યુશન ટેક્સ વસૂલવો એ વધુ સારો વિકલ્પ હશે. આશરે 25% (+સરચાર્જ વગેરે). આ દર્શાવે છે કે ડેટ મ્યુચ્યુઅલ ફંડ પર ટેક્સ ફિક્સ્ડ ડિપોઝિટ કરતા પ્રમાણમાં ઓછો છે.
ડેટ ફંડ્સ સાથે આવતા વધારાના લાભો છે:
- પ્રવાહિતા: પૈસા 1-2 દિવસની અંદર ઉપલબ્ધ છેવિમોચન
- વ્યવસાયિક સંચાલન: ગતિશીલ રીતે વ્યૂહરચના બદલવાની અને બજારોનો લાભ લેવાની ક્ષમતા
- કોઈ અકાળ ઉપાડ દંડ નથી.
સારાંશ માટે:
| પરિમાણો | મ્યુચ્યુઅલ ફંડ | ફિક્સ્ડ ડિપોઝિટ |
|---|---|---|
| વળતરનો દર | કોઈ ખાતરીપૂર્વકનું વળતર નહીં | સ્થિર વળતર |
| ફુગાવો સમાયોજિત વળતર | ઊંચા ફુગાવાના સમાયોજિત વળતરની સંભાવના | સામાન્ય રીતે ઓછો ફુગાવો સમાયોજિત વળતર |
| જોખમ | નીચાથી ઉચ્ચ જોખમ (ફંડ પર આધાર રાખે છે | ઓછું જોખમ |
| તરલતા | પ્રવાહી | પ્રવાહી |
| અકાળ ઉપાડ | એક્ઝિટ લોડ/નો લોડ સાથે મંજૂરી | દંડ સાથે મંજૂરી |
| રોકાણની કિંમત | સંચાલન ખર્ચ/ખર્ચ ગુણોત્તર | કોઈ કિંમત નથી |
ટોપ 8 બેસ્ટ પર્ફોર્મિંગ ડેટ ફંડ્સ 2022
ઉપર નેટ એસેટ્સ/AUM ધરાવતા ડેટ ફંડ્સની સૂચિ નીચે છે1000 કરોડ અને 3 વર્ષના ચક્રવૃદ્ધિ પર સૉર્ટ કરેલ (CAGR) પરત કરે છે.
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 (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 To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities. UTI Money Market Fund is a Debt - Money Market fund was launched on 13 Jul 09. It is a fund with Low risk and has given a Below is the key information for UTI 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 (18 Nov 24) ₹36.8242 ↑ 0.02 (0.06 %) Net Assets (Cr) ₹1,921 on 30 Sep 24 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 1.55 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 7.73% Effective Maturity 5 Years 1 Month 10 Days Modified Duration 3 Years 10 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹9,829 31 Oct 21 ₹10,863 31 Oct 22 ₹13,465 31 Oct 23 ₹14,377 31 Oct 24 ₹15,955 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 18 Nov 24 Duration Returns 1 Month 0.2% 3 Month 3.4% 6 Month 6.5% 1 Year 10.5% 3 Year 13.6% 5 Year 9.7% 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 10.18 Yr. Mohit Sharma 6 Aug 20 4.24 Yr. Dhaval Joshi 21 Nov 22 1.95 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 9.58% Equity 3.16% Debt 85.9% Other 1.35% Debt Sector Allocation
Sector Value Government 48.02% Corporate 37.28% Cash Equivalent 9.58% Securitized 0.59% Credit Quality
Rating Value A 5.55% AA 32.83% AAA 61.62% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.18 Goi 14082033
Sovereign Bonds | -28% ₹549 Cr 53,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -11% ₹206 Cr 20,000,000 07.18 Goi 24072037
Sovereign Bonds | -6% ₹108 Cr 10,500,000 Adani Airport Holdings Limited
Debentures | -3% ₹53 Cr 5,300
↑ 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 Piramal Capital & Housing Finance Ltd
Debentures | -2% ₹48 Cr 4,800 Hinduja Housing Finance Limited 8.85%
Debentures | -2% ₹46 Cr 4,600 JM Financial Products Limited
Debentures | -2% ₹40 Cr 4,000 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 (18 Nov 24) ₹43.8456 ↑ 0.05 (0.11 %) Net Assets (Cr) ₹1,693 on 15 Oct 24 Category Debt - Dynamic Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.21 Sharpe Ratio 1.22 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 7.16% Effective Maturity 15 Years 1 Month 10 Days Modified Duration 8 Years 3 Months 11 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,385 31 Oct 21 ₹10,975 31 Oct 22 ₹11,561 31 Oct 23 ₹12,290 31 Oct 24 ₹13,482 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 18 Nov 24 Duration Returns 1 Month -0.2% 3 Month 1.7% 6 Month 4.7% 1 Year 9.1% 3 Year 7% 5 Year 6.1% 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 3.62 Yr. Bhupesh Bameta 6 Aug 20 4.24 Yr. Dhaval Joshi 21 Nov 22 1.95 Yr. Data below for Aditya Birla Sun Life Dynamic Bond Fund as on 15 Oct 24
Asset Allocation
Asset Class Value Cash 2.61% Debt 97.12% Other 0.27% Debt Sector Allocation
Sector Value Government 80.72% Corporate 16.4% Cash Equivalent 2.61% Credit Quality
Rating Value A 2.68% AA 4.83% AAA 92.49% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.18 Goi 24072037
Sovereign Bonds | -35% ₹587 Cr 57,000,000 7.30 Goi 19062053
Sovereign Bonds | -15% ₹246 Cr 23,500,000 7.23% Goi 15/04/2039
Sovereign Bonds | -11% ₹187 Cr 18,000,000
↓ -2,500,000 07.18 Goi 14082033
Sovereign Bonds | -10% ₹174 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% ₹52 Cr 5,000,000 Bajaj Finance Ltd. 7.93%
Debentures | -3% ₹51 Cr 5,000 7.10%Goi 08/04/2034
Sovereign Bonds | -3% ₹47 Cr 4,590,200
↑ 1,000,000 Adani Airport Holdings Limited
Debentures | -3% ₹45 Cr 4,500
↑ 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 (18 Nov 24) ₹30.1242 ↑ 0.03 (0.10 %) Net Assets (Cr) ₹6,428 on 15 Oct 24 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 2.08 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 8.6% Effective Maturity 2 Years 2 Months 8 Days Modified Duration 1 Year 8 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,006 31 Oct 21 ₹11,763 31 Oct 22 ₹12,318 31 Oct 23 ₹13,172 31 Oct 24 ₹14,389 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Nov 24 Duration Returns 1 Month 0.5% 3 Month 1.9% 6 Month 4.8% 1 Year 8.7% 3 Year 6.8% 5 Year 7.5% 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 7.99 Yr. Akhil Kakkar 22 Jan 24 0.78 Yr. Data below for ICICI Prudential Regular Savings Fund as on 15 Oct 24
Asset Allocation
Asset Class Value Cash 14.1% Equity 1.91% Debt 83.67% Other 0.32% Debt Sector Allocation
Sector Value Corporate 75.38% Government 11.17% Cash Equivalent 5.62% Securitized 5.6% Credit Quality
Rating Value A 13.02% AA 57.04% AAA 29.94% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks Reit
Unlisted bonds | -5% ₹303 Cr 7,756,117 7.10%Goi 08/04/2034
Sovereign Bonds | -5% ₹291 Cr 28,458,830
↑ 4,663,200 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% ₹153 Cr 15,000,000 Nirma Limited
Debentures | -2% ₹151 Cr 15,000 Dlf Home Developers Limited
Debentures | -2% ₹150 Cr 15,000 HDFC Bank Ltd.
Debentures | -2% ₹122 Cr 2,500 Yes Bank Limited
Debentures | -2% ₹105 Cr 1,050 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 (18 Nov 24) ₹62.963 ↑ 0.10 (0.16 %) Net Assets (Cr) ₹10,626 on 15 Oct 24 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 1.53 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.96% Effective Maturity 23 Years 5 Months 12 Days Modified Duration 9 Years 6 Months 22 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,210 31 Oct 21 ₹11,573 31 Oct 22 ₹11,963 31 Oct 23 ₹12,832 31 Oct 24 ₹14,122 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Nov 24 Duration Returns 1 Month -0.1% 3 Month 1.4% 6 Month 4.4% 1 Year 8.9% 3 Year 6.7% 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 Yr. Tejas Soman 1 Dec 23 0.92 Yr. Data below for SBI Magnum Gilt Fund as on 15 Oct 24
Asset Allocation
Asset Class Value Cash 9.76% Debt 90.24% Debt Sector Allocation
Sector Value Government 90.24% Cash Equivalent 9.76% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -36% ₹3,886 Cr 372,000,000 7.23% Govt Stock 2039
Sovereign Bonds | -20% ₹2,199 Cr 213,000,000
↑ 25,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -19% ₹2,093 Cr 205,603,800
↓ -94,533,900 7.3% Govt Stock 2053
Sovereign Bonds | -8% ₹915 Cr 88,000,000 7.93% Govt Stock 2033
Sovereign Bonds | -2% ₹242 Cr 23,500,000 7.25% Govt Stock 2063
Sovereign Bonds | -2% ₹191 Cr 18,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -1% ₹154 Cr 15,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -1% ₹102 Cr 10,202,600
↑ 10,202,600 Treps
CBLO/Reverse Repo | -9% ₹1,008 Cr Net Receivable / Payable
CBLO | -0% ₹50 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 (18 Nov 24) ₹43.2655 ↑ 0.04 (0.08 %) Net Assets (Cr) ₹2,338 on 15 Oct 24 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.56 Sharpe Ratio 1.04 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 8.56% Effective Maturity 3 Years 1 Month 20 Days Modified Duration 2 Years 2 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,894 31 Oct 21 ₹11,519 31 Oct 22 ₹11,955 31 Oct 23 ₹12,929 31 Oct 24 ₹13,980 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Nov 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 4.2% 1 Year 7.9% 3 Year 6.7% 5 Year 6.9% 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 7.75 Yr. Pradeep Kesavan 1 Dec 23 0.92 Yr. Adesh Sharma 1 Dec 23 0.92 Yr. Data below for SBI Credit Risk Fund as on 15 Oct 24
Asset Allocation
Asset Class Value Cash 6.33% Equity 2.7% Debt 90.65% Other 0.32% Debt Sector Allocation
Sector Value Corporate 76.01% Government 14.64% Cash Equivalent 6.33% Credit Quality
Rating Value A 10.8% AA 74.31% AAA 14.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.23% Govt Stock 2039
Sovereign Bonds | -8% ₹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 Jindal Stainless Limited
Debentures | -4% ₹87 Cr 900 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
↑ 8,500 Avanse Financial Services Ltd.
Debentures | -3% ₹80 Cr 8,000 6. Aditya Birla Sun Life Floating Rate Fund - Long Term
CAGR/Annualized return of 8% 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 (18 Nov 24) ₹331.398 ↑ 0.26 (0.08 %) Net Assets (Cr) ₹12,686 on 15 Oct 24 Category Debt - Floating Rate AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.46 Sharpe Ratio 1.75 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.66% Effective Maturity 2 Years 4 Months 2 Days Modified Duration 1 Year 2 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,850 31 Oct 21 ₹11,306 31 Oct 22 ₹11,776 31 Oct 23 ₹12,651 31 Oct 24 ₹13,662 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 18 Nov 24 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 4% 1 Year 8.1% 3 Year 6.6% 5 Year 6.5% 10 Year 15 Year Since launch 8% 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 10.37 Yr. Harshil Suvarnkar 22 Mar 21 3.62 Yr. Dhaval Joshi 21 Nov 22 1.95 Yr. Data below for Aditya Birla Sun Life Floating Rate Fund - Long Term as on 15 Oct 24
Asset Allocation
Asset Class Value Cash 9.46% Debt 90.28% Other 0.26% Debt Sector Allocation
Sector Value Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.93% Govt Stock 2033
Sovereign Bonds | -8% ₹1,081 Cr 105,000,000 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 Rural Electrification Corporation Limited
Debentures | -2% ₹225 Cr 22,500 Axis Bank Ltd.
Debentures | -2% ₹216 Cr 4,500
↑ 4,500 HDB Financial Services Ltd. 8.04%
Debentures | -2% ₹200 Cr 2,000 7. 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 (18 Nov 24) ₹3,958.61 ↑ 2.91 (0.07 %) Net Assets (Cr) ₹15,623 on 30 Sep 24 Category Debt - Money Market AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.37 Sharpe Ratio 2.5 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.53% Effective Maturity 6 Months 18 Days Modified Duration 6 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,629 31 Oct 21 ₹11,026 31 Oct 22 ₹11,520 31 Oct 23 ₹12,372 31 Oct 24 ₹13,329 Returns for Nippon India Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Nov 24 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.8% 1 Year 7.8% 3 Year 6.6% 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 6.3 Yr. Vikash Agarwal 14 Sep 24 0.13 Yr. Data below for Nippon India Money Market Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 90.15% Debt 9.63% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 90.15% Government 9.63% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 12122024
Sovereign Bonds | -2% ₹323 Cr 32,500,000
↓ -5,000,000 07.38% MP Sdl 2025
Sovereign Bonds | -1% ₹276 Cr 27,500,000 08.10 JH Sdl 2025
Sovereign Bonds | -1% ₹251 Cr 25,000,000 182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -1% ₹211 Cr 21,500,000
↑ 21,500,000 182 DTB 05122024
Sovereign Bonds | -1% ₹199 Cr 20,000,000 182 DTB 27022025
Sovereign Bonds | -1% ₹147 Cr 15,000,000
↑ 15,000,000 182 DTB 18102024
Sovereign Bonds | -1% ₹147 Cr 15,000,000 India (Republic of)
- | -1% ₹146 Cr 15,000,000 364 DTB 13022025
Sovereign Bonds | -1% ₹108 Cr 11,000,000
↑ 1,000,000 08.06 AP Sdl 2025
Sovereign Bonds | -1% ₹100 Cr 10,000,000 8. UTI Money Market Fund
CAGR/Annualized return of 7.3% since its launch. Ranked 23 in Money Market category. Return for 2023 was 7.4% , 2022 was 4.9% and 2021 was 3.7% . UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (18 Nov 24) ₹2,940.26 ↑ 2.15 (0.07 %) Net Assets (Cr) ₹13,635 on 30 Sep 24 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.27 Sharpe Ratio 2.74 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.43% Effective Maturity 5 Months 5 Days Modified Duration 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,634 31 Oct 21 ₹11,029 31 Oct 22 ₹11,511 31 Oct 23 ₹12,370 31 Oct 24 ₹13,324 Returns for UTI Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Nov 24 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.8% 1 Year 7.7% 3 Year 6.5% 5 Year 5.9% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 4.9% 2021 3.7% 2020 6% 2019 8% 2018 7.8% 2017 6.7% 2016 7.7% 2015 8.4% 2014 9.1% Fund Manager information for UTI Money Market Fund
Name Since Tenure Anurag Mittal 1 Dec 21 2.92 Yr. Amit Sharma 7 Jul 17 7.33 Yr. Data below for UTI Money Market Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 90.48% Debt 9.29% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 90.48% Government 9.29% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 18102024
Sovereign Bonds | -6% ₹1,012 Cr 10,350,000,000
↑ 5,350,000,000 182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -2% ₹294 Cr 3,000,000,000
↑ 3,000,000,000 182 DTB 07112024
Sovereign Bonds | -1% ₹200 Cr 2,000,000,000 08.09 Ts SDL 2025
Sovereign Bonds | -1% ₹135 Cr 1,350,000,000 08.08 CG Sdl 2025
Sovereign Bonds | -1% ₹100 Cr 1,000,000,000 7.52% GJ Sdl 08/03/2025
Sovereign Bonds | -1% ₹100 Cr 1,000,000,000 08.09 Uk SDL 2025
Sovereign Bonds | -0% ₹50 Cr 500,000,000 182 DTB 12122024
Sovereign Bonds | -0% ₹50 Cr 500,000,000
↓ -3,000,000,000 08.07 GJ Sdl 2025
Sovereign Bonds | -0% ₹45 Cr 450,000,000 CORPORATE DEBT MARKET DEVT FUND - A2 UNITS
Investment Fund | -0% ₹37 Cr 35,515
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