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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 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 (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 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 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 ICICI Prudential Flexible Income Plan) To generate income through investments in a range of debt instruments and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity. ICICI Prudential Savings Fund is a Debt - Low Duration fund was launched on 27 Sep 02. It is a fund with Moderately Low risk and has given a Below is the key information for ICICI Prudential Savings 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 (24 Dec 24) ₹37.1067 ↓ -0.02 (-0.05 %) 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 24 Dec 24 Duration Returns 1 Month 0.7% 3 Month 3.1% 6 Month 5.8% 1 Year 10.4% 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 (24 Dec 24) ₹44.1898 ↓ 0.00 (-0.01 %) 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 24 Dec 24 Duration Returns 1 Month 0.9% 3 Month 1% 6 Month 4.1% 1 Year 8.8% 3 Year 7.2% 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 (24 Dec 24) ₹30.302 ↑ 0.04 (0.14 %) 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 24 Dec 24 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 4.4% 1 Year 8.6% 3 Year 6.9% 5 Year 7.4% 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 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 (24 Dec 24) ₹43.582 ↑ 0.00 (0.00 %) 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 24 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% 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 5. 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 (24 Dec 24) ₹63.3414 ↓ -0.02 (-0.03 %) 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 24 Dec 24 Duration Returns 1 Month 0.8% 3 Month 0.5% 6 Month 3.5% 1 Year 8.9% 3 Year 6.8% 5 Year 7% 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 6. 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 (24 Dec 24) ₹35.2658 ↓ 0.00 (0.00 %) 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 24 Dec 24 Duration Returns 1 Month 0.7% 3 Month 1.6% 6 Month 4.1% 1 Year 8.2% 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 7. 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 (24 Dec 24) ₹333.202 ↑ 0.01 (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 24 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.8% 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 8. ICICI Prudential Savings Fund
CAGR/Annualized return of 7.7% since its launch. Ranked 11 in Low Duration category. Return for 2023 was 7.6% , 2022 was 4.5% and 2021 was 3.8% . ICICI Prudential Savings Fund
Growth Launch Date 27 Sep 02 NAV (24 Dec 24) ₹521.248 ↑ 0.01 (0.00 %) Net Assets (Cr) ₹23,232 on 15 Dec 24 Category Debt - Low Duration AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.51 Sharpe Ratio 3.32 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.64% Effective Maturity 1 Year 7 Months 10 Days Modified Duration 9 Months 4 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,835 30 Nov 21 ₹11,312 30 Nov 22 ₹11,773 30 Nov 23 ₹12,652 30 Nov 24 ₹13,663 Returns for ICICI Prudential Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.8% 1 Year 8% 3 Year 6.7% 5 Year 6.5% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.6% 2022 4.5% 2021 3.8% 2020 8.6% 2019 8.8% 2018 7.3% 2017 7.1% 2016 9.1% 2015 8.8% 2014 9.5% Fund Manager information for ICICI Prudential Savings Fund
Name Since Tenure Nikhil Kabra 13 Sep 24 0.22 Yr. Darshil Dedhia 12 Jun 23 1.47 Yr. Data below for ICICI Prudential Savings Fund as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 36.09% Debt 63.65% Other 0.26% Debt Sector Allocation
Sector Value Corporate 58.55% Cash Equivalent 22.05% Government 19.15% Credit Quality
Rating Value AA 13.98% AAA 86.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.93% Govt Stock 2033
Sovereign Bonds | -6% ₹1,329 Cr 128,719,310
↓ -5,000,000 LIC Housing Finance Limited
Debentures | -3% ₹651 Cr 6,500 7.53% Govt Stock 2034
Sovereign Bonds | -2% ₹473 Cr 46,625,930 Bharti Telecom Limited
Debentures | -2% ₹351 Cr 35,000 INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -2% ₹335 Cr 333 Bajaj Finance Limited
Debentures | -2% ₹325 Cr 3,250 Embassy Office Parks Reit
Debentures | -1% ₹300 Cr 30,000 Small Industries Development Bank Of India
Debentures | -1% ₹300 Cr 30,000 INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -1% ₹295 Cr 308 Nirma Limited
Debentures | -1% ₹276 Cr 27,500
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