+91-22-48913909FD बनाम डेट म्यूचुअल फंड
एफडी बनामडेट फंड? विचारधाराकहां निवेश करें अच्छा रिटर्न अर्जित करने के लिए आपकी बचत। आम तौर पर लोग मानते हैंनिवेश सावधि जमा या एफडी में यह सबसे सुविधाजनक विकल्प है क्योंकि यह सुरक्षित है और निश्चित रिटर्न प्रदान करता है। लेकिन क्या यह सबसे अच्छा तरीका है? हालांकि सावधि जमा सभी के लिए एक आसान निवेश विकल्प है, हालांकि, सावधि जमा पर कर योग्य होने का रिटर्न डेट फंड की तुलना में बहुत कम है। इसके अलावा, जब लंबी अवधि के लिए धारण किया जाता है, तो ऋणम्यूचुअल फंड्स अच्छा रिटर्न देते हैं। डेट म्यूचुअल फंड या सावधि जमा में निवेश करने का अंतिम निर्णय लेने से पहले, इन निवेशों की विस्तृत तुलना को देखें।
सारांश:
डेट म्यूचुअल फंड (डेट फंड) बनाम फिक्स्ड डिपॉजिट (FD)
हमें इसे जोखिम लेने की क्षमता और की इच्छित होल्डिंग अवधि के आधार पर तोड़ना होगाइन्वेस्टर प्रश्न में।
शॉर्ट होल्डिंग अवधि (1 वर्ष या उससे कम)
यहां डेट फंड के विकल्प सीमित होंगेलिक्विड फंड, अति-शॉर्ट टर्म फंड्स और अल्पकालिकआय धन। जबकि रिटर्न या यील्ड आमतौर पर लिक्विड से अल्ट्रा-शॉर्ट से शॉर्ट टर्म फंड में जाता है, इन डेट फंड और फिक्स्ड डिपॉजिट के बीच यील्ड अंतर पिछले एक साल में उनके रिटर्न को देखते हुए निर्धारित किया जा सकता है।
डेट म्यूचुअल फंड (श्रेणी औसत रिटर्न)
| डेट म्यूचुअल फंड का प्रकार | पिछले 1 साल। वापसी (%) |
|---|---|
| लिक्विड फंड | 7.36 |
| अल्ट्रा शॉर्ट-टर्म डेट फंड | 9.18 |
| शॉर्ट टर्म डेट फंड | 9.78 |
| डायनेमिक डेट फंड | 13.89 |
| लंबी अवधि के ऋण कोष | 13.19 |
| गिल्ट शॉर्ट टर्म फंड | 11.76 |
| गिल्ट लॉन्ग टर्म फंड | 15.06 |
| 20 फरवरी 2017 तक के आंकड़े |
सावधि जमा या FD औसत वापसी दर
सावधि जमा की औसत वापसी दर 8-8.5% प्रति वर्ष के बीच थी। वर्ष 2016 में (इसलिए तालिका में उपरोक्त रिटर्न की तुलना की जा सकती है)। हालांकि, पिछले एक साल में रिटर्न रेट घटकर 6.6-7.5% प्रति वर्ष हो गया है।
उपरोक्त दृष्टांत से, यह स्पष्ट है कि डेट फंड की वापसी की औसत दर सावधि जमा की तुलना में बेहतर है।
Talk to our investment specialist
लंबी अवधि की होल्डिंग अवधि
लंबे समय तक होल्डिंग अवधि के साथ, डेट फंड FD से बेहतर साबित हो सकते हैं।
यहां निवेश करने के विकल्प होंगे:
- लॉन्ग टर्म इनकम फंड
- लंबे समय तक गिल्ट,
- निगमितगहरा संबंध फंड (हाई यील्ड फंड), लिक्विड के ऊपर बताए गए विकल्पों के अलावा, अल्ट्रा-शॉर्ट और शॉर्ट टर्म फंड का भी इस्तेमाल किया जा सकता है।
यह देखते हुए कि होल्डिंग अवधि 3 वर्ष या उससे अधिक हो सकती है, हम निम्नलिखित कह सकते हैं:
- साथराजधानी इंडेक्सेशन बेनिफिट्स के साथ 20% पर गेन टैक्स, शुद्ध कर की घटना न्यूनतम होगी (हालाँकि किसी को कर लगाने के वर्ष को देखते हुए कर की गणना करनी चाहिए)
- लॉन्ग टर्म इनकम फंड/गिल्ट फंड उच्च प्रतिफल के साथ और इसके अतिरिक्त, यदि ब्याज दरें नीचे जाती हैं तो बहुत अधिक प्रतिफल मिलेगा।
- इन डेट फंडों के साथ उच्च दोहरे अंकों का रिटर्न मिल सकता है।
लंबी अवधि की आय वाले फंड पर रिटर्न का उदाहरण नीचे लें, श्रेणी के लिए पिछले 1 साल का औसत रिटर्न 12.19% है और पिछले 3 वर्षों में 10.32% प्रति वर्ष है। इस अवधि में कोई भी FD इतना रिटर्न नहीं दे सकता था। गिल्ट फंड का रिटर्न और भी ज्यादा होता है। इसी अवधि में, पिछले साल अधिकांश बैंकों में FD दरें 8-8.5% प्रति वर्ष के करीब रही होंगी, (यद्यपि आज दरें और गिरकर 6.5 - 7.5%) हो गई हैं
इसलिए एक निवेशक के पास लंबे समय तक रखने की अवधि और ब्याज दरों में गिरावट के साथ, एक डेट फंड (दीर्घकालिक आय या गिल्ट) FD की तुलना में बहुत बेहतर रिटर्न देगा। ब्याज दरें न गिरने की स्थिति में भी, उच्च प्रतिफल वाले कॉरपोरेट बॉन्ड फंड उसी अवधि में FD को मात देंगे।
डेट म्युचुअल फंड और सावधि जमा पर कराधान
डेट फंड और सावधि जमा के रिटर्न को निर्धारित करने में कराधान भी महत्वपूर्ण भूमिका निभाता है। आमतौर पर, सावधि जमा पर कराधान 33% (कर की सीमांत दर) है, जबकि डेट फंड पर अगर कोई 3 साल से कम के साथ निवेश करता है तो लाभांश वितरण कर लगाना एक बेहतर विकल्प होगा, क्योंकि डीडीटी (लाभांश वितरण कर) काटा जाता है। लगभग 25% (+ अधिभार आदि) पर। इससे पता चलता है कि फिक्स्ड डिपॉजिट की तुलना में डेट म्यूचुअल फंड पर टैक्स अपेक्षाकृत कम है।
डेट फंड के साथ आने वाले अतिरिक्त लाभ हैं:
- लिक्विडिटी: से 1-2 दिनों के भीतर पैसा उपलब्ध हैमोचन
- व्यावसायिक प्रबंधन: रणनीति को गतिशील रूप से बदलने और बाजारों का लाभ उठाने की क्षमता
- कोई समयपूर्व निकासी दंड नहीं।
सारांश में:
| मापदंडों | म्यूचुअल फंड्स | सावधि जमा |
|---|---|---|
| रिटर्न की दर | कोई सुनिश्चित रिटर्न नहीं | निश्चित रिटर्न |
| मुद्रास्फीति समायोजित रिटर्न | उच्च मुद्रास्फीति समायोजित रिटर्न की संभावना | आम तौर पर कम मुद्रास्फीति समायोजित रिटर्न |
| जोखिम | कम से उच्च जोखिम (फंड पर निर्भर) | कम जोखिम |
| लिक्विडिटी | तरल | तरल |
| समयपूर्व निकासी | एक्जिट लोड/नो लोड के साथ अनुमत | दंड के साथ अनुमत |
| निवेश की लागत | प्रबंधन लागत/व्यय अनुपात | कोई लागत नहीं अाना |
शीर्ष 8 सर्वश्रेष्ठ प्रदर्शन करने वाले डेट फंड 2022
नीचे नेट एसेट/एयूएम वाले डेट फंडों की सूची ऊपर दी गई है1000 करोड़ और 3 साल के चक्रवृद्धि के आधार पर छाँटा गया (सीएजीआर) रिटर्न।
(Erstwhile Aditya Birla Sun Life Corporate Bond Fund) The investment objective of the Scheme is to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved. Below is the key information for Aditya Birla Sun Life Credit Risk Fund Returns up to 1 year are on 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. Research Highlights for Aditya Birla Sun Life Medium Term Plan Below is the key information for Aditya Birla Sun Life Medium Term Plan 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. Research Highlights for ICICI Prudential Regular Savings Fund Below is the key information for ICICI Prudential Regular Savings Fund Returns up to 1 year are on (Erstwhile Reliance Regular Savings Fund - Debt Plan) The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & Money Market Instruments. Research Highlights for Nippon India Credit Risk Fund Below is the key information for Nippon India Credit Risk Fund Returns up to 1 year are on The Scheme aims to provide reasonable returns by investing in portfolio of Government Securities with average maturity of around 10 years. However, there can be no assurance that the investment objective of the
Scheme will be realized. Research Highlights for ICICI Prudential Constant Maturity Gilt Fund Below is the key information for ICICI Prudential Constant Maturity 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. Research Highlights for SBI Credit Risk Fund Below is the key information for SBI Credit Risk Fund Returns up to 1 year are on (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. Research Highlights for Axis Strategic Bond Fund Below is the key information for Axis Strategic Bond Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Corporate 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. Research Highlights for ICICI Prudential Medium Term Bond Fund Below is the key information for ICICI Prudential Medium Term Bond Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Credit Risk Fund
Growth Launch Date 17 Apr 15 NAV (02 Jan 26) ₹23.3375 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹1,096 on 15 Dec 25 Category Debt - Credit Risk AMC Birla Sun Life Asset Management Co Ltd Rating Risk Moderate Expense Ratio 1.54 Sharpe Ratio 2.11 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 7.62% Effective Maturity 3 Years 29 Days Modified Duration 2 Years 3 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,636 31 Dec 22 ₹11,391 31 Dec 23 ₹12,176 31 Dec 24 ₹13,627 31 Dec 25 ₹15,457 Returns for Aditya Birla Sun Life Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.4% 3 Month 1.9% 6 Month 4.2% 1 Year 13.6% 3 Year 10.8% 5 Year 9.1% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 13.4% 2023 11.9% 2022 6.9% 2021 7.1% 2020 6.4% 2019 9.4% 2018 2.1% 2017 6.6% 2016 8.1% 2015 10.3% Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
Name Since Tenure Sunaina Cunha 17 Apr 15 10.63 Yr. Mohit Sharma 6 Aug 20 5.32 Yr. Data below for Aditya Birla Sun Life Credit Risk Fund as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 3.82% Equity 7.49% Debt 88.38% Other 0.32% Debt Sector Allocation
Sector Value Corporate 64.03% Government 24.34% Cash Equivalent 3.82% Credit Quality
Rating Value A 11.48% AA 62.33% AAA 26.19% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -7% ₹76 Cr 7,500,000 JSW Steel Limited
Debentures | -5% ₹50 Cr 500 Aditya Birla Real Estate Limited
Debentures | -4% ₹45 Cr 4,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹41 Cr 4,000
↑ 4,000 GMR Airports Limited
Debentures | -3% ₹38 Cr 3,700 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹36 Cr 3,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -3% ₹36 Cr 3,500,000 IKF Finance Limited
Debentures | -3% ₹35 Cr 3,500 Hinduja Leyland Finance Limited
Debentures | -3% ₹35 Cr 3,500
↑ 3,500 Kogta Financial (India) Limited
Debentures | -3% ₹32 Cr 3,250 2. Aditya Birla Sun Life Medium Term Plan
Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (02 Jan 26) ₹41.2793 ↓ -0.01 (-0.03 %) Net Assets (Cr) ₹2,886 on 15 Dec 25 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.57 Sharpe Ratio 2.17 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 7.48% Effective Maturity 4 Years 11 Months 5 Days Modified Duration 3 Years 8 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,710 31 Dec 22 ₹13,367 31 Dec 23 ₹14,292 31 Dec 24 ₹15,787 31 Dec 25 ₹17,510 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 2 Jan 26 Duration Returns 1 Month 0.4% 3 Month 1.6% 6 Month 3.2% 1 Year 11% 3 Year 9.5% 5 Year 11.9% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.9% 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% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 11.26 Yr. Mohit Sharma 6 Aug 20 5.32 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 5.17% Equity 4.17% Debt 90.41% Other 0.25% Debt Sector Allocation
Sector Value Corporate 53.62% Government 36.8% Cash Equivalent 5.17% Credit Quality
Rating Value A 7.62% AA 38.77% AAA 53.62% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -12% ₹333 Cr 33,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -8% ₹244 Cr 23,696,700 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹191 Cr 18,500,000 Nuvama Wealth Finance Limited
Debentures | -3% ₹96 Cr 9,500 Hinduja Leyland Finance Limited
Debentures | -3% ₹84 Cr 8,500
↑ 8,500 GMR Airports Limited
Debentures | -3% ₹81 Cr 8,000 Jubilant Bevco Limited
Debentures | -3% ₹79 Cr 7,400 Jtpm Metal TRaders Limited
Debentures | -3% ₹79 Cr 7,673 Indian Railway Finance Corporation Limited
Debentures | -3% ₹75 Cr 7,500 Kogta Financial (India) Limited
Debentures | -2% ₹72 Cr 7,250 3. ICICI Prudential Regular Savings Fund
ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (02 Jan 26) ₹33.2235 ↑ 0.01 (0.04 %) Net Assets (Cr) ₹5,930 on 15 Dec 25 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.43 Sharpe Ratio 2.99 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 8.13% Effective Maturity 2 Years 11 Months 23 Days Modified Duration 1 Year 11 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,623 31 Dec 22 ₹11,160 31 Dec 23 ₹11,968 31 Dec 24 ₹12,981 31 Dec 25 ₹14,218 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.5% 3 Month 1.9% 6 Month 4.2% 1 Year 9.5% 3 Year 8.4% 5 Year 7.3% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.5% 2023 8.5% 2022 7.2% 2021 5.1% 2020 6.2% 2019 9.8% 2018 9.5% 2017 6.6% 2016 6.8% 2015 9.5% Fund Manager information for ICICI Prudential Regular Savings Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.07 Yr. Akhil Kakkar 22 Jan 24 1.86 Yr. Data below for ICICI Prudential Regular Savings Fund as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 8.9% Equity 8.27% Debt 82.45% Other 0.38% Debt Sector Allocation
Sector Value Corporate 69.47% Government 13.8% Cash Equivalent 8.08% Credit Quality
Rating Value A 18.64% AA 49.77% AAA 17.45% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 5426024% ₹255 Cr 5,791,885
↓ -238,296 Keystone Realtors Limited
Debentures | -4% ₹235 Cr 23,500 Millennia Realtors Private Limited
Debentures | -4% ₹211 Cr 2,100 Vedanta Limited
Debentures | -3% ₹200 Cr 20,000 Adani Enterprises Limited
Debentures | -3% ₹199 Cr 20,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -3% ₹187 Cr 18,500 Jtpm Metal TRaders Limited
Debentures | -3% ₹186 Cr 18,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹175 Cr 17,017,530 Varroc Engineering Limited
Debentures | -3% ₹172 Cr 25,000 Nirma Limited
Debentures | -3% ₹151 Cr 15,000 4. Nippon India Credit Risk Fund
Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (02 Jan 26) ₹36.3297 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹1,016 on 15 Dec 25 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 3.07 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 8.19% Effective Maturity 2 Years 5 Months 1 Day Modified Duration 2 Years 22 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹11,350 31 Dec 22 ₹11,790 31 Dec 23 ₹12,725 31 Dec 24 ₹13,778 31 Dec 25 ₹15,010 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.4% 3 Month 1.7% 6 Month 3.6% 1 Year 8.9% 3 Year 8.4% 5 Year 8.5% 10 Year 15 Year Since launch 6.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.9% 2023 8.3% 2022 7.9% 2021 3.9% 2020 13.5% 2019 -5.9% 2018 1.9% 2017 6.1% 2016 7% 2015 10% Fund Manager information for Nippon India Credit Risk Fund
Name Since Tenure Kinjal Desai 25 May 18 7.53 Yr. Sushil Budhia 1 Feb 20 5.84 Yr. Lokesh Maru 5 Sep 25 0.24 Yr. Divya Sharma 5 Sep 25 0.24 Yr. Data below for Nippon India Credit Risk Fund as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 9.26% Debt 90.45% Other 0.29% Debt Sector Allocation
Sector Value Corporate 72.03% Government 18.42% Cash Equivalent 9.26% Credit Quality
Rating Value A 21.28% AA 44.3% AAA 34.42% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -8% ₹77 Cr 7,500,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹47 Cr 5,000 Jubilant Bevco Limited
Debentures | -4% ₹43 Cr 4,000 TRuhome Finance Limited
Debentures | -4% ₹41 Cr 4,000 The Sandur Manganese And Iron Ores Limited
Debentures | -4% ₹38 Cr 4,000 Mancherial Repallewada Road Private Limited
Debentures | -4% ₹36 Cr 4,500 Delhi International Airport Limited
Debentures | -4% ₹36 Cr 3,500 Vedanta Limited
Debentures | -3% ₹35 Cr 3,500 Renserv Global Private Limited
Debentures | -3% ₹35 Cr 3,500 Hiranandani Financial Services Private Limited
Debentures | -3% ₹35 Cr 3,500 5. ICICI Prudential Constant Maturity Gilt Fund
ICICI Prudential Constant Maturity Gilt Fund
Growth Launch Date 12 Sep 14 NAV (02 Jan 26) ₹25.2083 ↓ -0.02 (-0.08 %) Net Assets (Cr) ₹2,566 on 15 Dec 25 Category Debt - 10 Yr Govt Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.39 Sharpe Ratio 0.53 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-7 Days (0.25%),7 Days and above(NIL) Yield to Maturity 6.76% Effective Maturity 9 Years 8 Months 19 Days Modified Duration 6 Years 9 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,279 31 Dec 22 ₹10,405 31 Dec 23 ₹11,208 31 Dec 24 ₹12,246 31 Dec 25 ₹13,165 Returns for ICICI Prudential Constant Maturity Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.4% 3 Month 1.1% 6 Month 1.3% 1 Year 7.7% 3 Year 8.2% 5 Year 5.7% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.5% 2023 9.3% 2022 7.7% 2021 1.2% 2020 2.8% 2019 13.6% 2018 12.8% 2017 9.7% 2016 2.4% 2015 16.2% Fund Manager information for ICICI Prudential Constant Maturity Gilt Fund
Name Since Tenure Manish Banthia 22 Jan 24 1.86 Yr. Raunak Surana 22 Jan 24 1.86 Yr. Data below for ICICI Prudential Constant Maturity Gilt Fund as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 2.98% Debt 97.02% Debt Sector Allocation
Sector Value Government 97.02% Cash Equivalent 2.98% Credit Quality
Rating Value AAA 50% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.64% Govt Stock 2035
Sovereign Bonds | -28% ₹730 Cr 73,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -20% ₹511 Cr 49,719,850 6.79% Govt Stock 2034
Sovereign Bonds | -17% ₹427 Cr 42,374,500
↓ -1,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -16% ₹414 Cr 40,500,000 7.41% Govt Stock 2036
Sovereign Bonds | -13% ₹333 Cr 32,000,000 6.19% Govt Stock 2034
Sovereign Bonds | -1% ₹29 Cr 3,000,000 6.67% Govt Stock 2035
Sovereign Bonds | -1% ₹25 Cr 2,500,000 6.92% Govt Stock 2039
Sovereign Bonds | -1% ₹20 Cr 2,000,000 Net Current Assets
Net Current Assets | -3% ₹71 Cr Treps
CBLO/Reverse Repo | -0% ₹6 Cr 6. SBI Credit Risk Fund
SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (02 Jan 26) ₹47.1132 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹2,176 on 15 Dec 25 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 2.11 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 7.95% Effective Maturity 3 Years 7 Months 10 Days Modified Duration 2 Years 6 Months Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,495 31 Dec 22 ₹10,941 31 Dec 23 ₹11,851 31 Dec 24 ₹12,809 31 Dec 25 ₹13,823 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.4% 3 Month 1.4% 6 Month 3% 1 Year 7.9% 3 Year 8.1% 5 Year 6.7% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 8.1% 2022 8.3% 2021 4.2% 2020 5% 2019 9.8% 2018 6.5% 2017 6.2% 2016 6.9% 2015 10.5% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 8.84 Yr. Data below for SBI Credit Risk Fund as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 3.84% Equity 4.06% Debt 91.73% Other 0.37% Debt Sector Allocation
Sector Value Corporate 73.34% Government 18.39% Cash Equivalent 3.84% Credit Quality
Rating Value A 12.71% AA 63.39% AAA 23.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -7% ₹154 Cr 15,000,000
↑ 15,000,000 Infopark Properties Limited
Debentures | -5% ₹105 Cr 10,500 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹104 Cr 11,000 H.G. Infra Engineering Limited
Debentures | -5% ₹100 Cr 10,000 Small Industries Development Bank Of India
Debentures | -5% ₹99 Cr 10,000 6.48% Govt Stock 2035
Sovereign Bonds | -5% ₹99 Cr 10,000,000
↑ 10,000,000 Nj Capital Private Limited
Debentures | -5% ₹99 Cr 10,000 Jtpm Metal TRaders Limited
Debentures | -4% ₹93 Cr 9,000 The Sandur Manganese And Iron Ores Limited
Debentures | -4% ₹82 Cr 8,500 Avanse Financial Services Limited
Debentures | -4% ₹80 Cr 8,000 7. Axis Strategic Bond Fund
Axis Strategic Bond Fund
Growth Launch Date 28 Mar 12 NAV (02 Jan 26) ₹28.9386 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹1,941 on 30 Nov 25 Category Debt - Medium term Bond AMC Axis Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.08 Sharpe Ratio 1.59 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 7.78% Effective Maturity 4 Years 6 Months 22 Days Modified Duration 3 Years 4 Months 2 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,521 31 Dec 22 ₹10,921 31 Dec 23 ₹11,716 31 Dec 24 ₹12,734 31 Dec 25 ₹13,784 Returns for Axis Strategic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.4% 3 Month 1.6% 6 Month 2.9% 1 Year 8.3% 3 Year 8.1% 5 Year 6.6% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.2% 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% Fund Manager information for Axis Strategic Bond Fund
Name Since Tenure Devang Shah 5 Nov 12 13.08 Yr. Sachin Jain 1 Feb 23 2.83 Yr. Akhil Thakker 1 Feb 23 2.83 Yr. Data below for Axis Strategic Bond Fund as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 4.64% Equity 0.61% Debt 94.46% Other 0.29% Debt Sector Allocation
Sector Value Corporate 63.6% Government 30.85% Cash Equivalent 4.64% Credit Quality
Rating Value A 13.5% AA 46.27% AAA 40.22% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.33% Govt Stock 2035
Sovereign Bonds | -6% ₹118 Cr 12,000,000
↑ 10,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -6% ₹116 Cr 11,200,000
↓ -10,000,000 Jubilant Beverages Limited
Debentures | -4% ₹69 Cr 6,500 GMR Hyderabad International Airport Ltd
Debentures | -3% ₹66 Cr 6,500 Vedanta Limited
Debentures | -3% ₹60 Cr 6,000 6.79% Govt Stock 2034
Sovereign Bonds | -3% ₹59 Cr 5,831,900
↓ -200,000 Nuvama Wealth Finance Limited
Debentures | -3% ₹58 Cr 5,800 6.48% Govt Stock 2035
Sovereign Bonds | -3% ₹58 Cr 5,800,000
↑ 800,000 Delhi International Airport Limited
Debentures | -3% ₹57 Cr 5,500 Aditya Birla Digital Fashion Ventures Limited
Debentures | -3% ₹55 Cr 5,500 8. ICICI Prudential Medium Term Bond Fund
ICICI Prudential Medium Term Bond Fund
Growth Launch Date 15 Sep 04 NAV (02 Jan 26) ₹46.61 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹5,767 on 15 Dec 25 Category Debt - Medium term Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderate Expense Ratio 1.37 Sharpe Ratio 2.02 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 7.73% Effective Maturity 5 Years 7 Months 20 Days Modified Duration 3 Years 1 Month 2 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,551 31 Dec 22 ₹10,992 31 Dec 23 ₹11,764 31 Dec 24 ₹12,708 31 Dec 25 ₹13,849 Returns for ICICI Prudential Medium Term Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.6% 1 Year 9% 3 Year 8% 5 Year 6.7% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 9% 2023 8% 2022 7% 2021 4.2% 2020 5.5% 2019 10.4% 2018 9.2% 2017 5.1% 2016 6.5% 2015 10.2% Fund Manager information for ICICI Prudential Medium Term Bond Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.07 Yr. Akhil Kakkar 22 Jan 24 1.86 Yr. Data below for ICICI Prudential Medium Term Bond Fund as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 7.47% Equity 6.68% Debt 85.53% Other 0.32% Debt Sector Allocation
Sector Value Corporate 69.12% Government 18.13% Cash Equivalent 5.75% Credit Quality
Rating Value AA 51.88% AAA 31.52% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 5426024% ₹210 Cr 4,765,556 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹192 Cr 18,708,200 7.34% Govt Stock 2064
Sovereign Bonds | -3% ₹186 Cr 18,801,500 Adani Enterprises Limited
Debentures | -3% ₹174 Cr 17,500 Vedanta Limited
Debentures | -3% ₹170 Cr 17,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹155 Cr 15,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹154 Cr 150 Oberoi Realty Limited
Debentures | -3% ₹152 Cr 15,000 TATA Projects Limited
Debentures | -3% ₹151 Cr 15,000 Godrej Properties Limited
Debentures | -2% ₹127 Cr 12,500
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।
You Might Also Like
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2026 Shepard Technologies Private Limited. All Rights Reserved
Research Highlights for Aditya Birla Sun Life Credit Risk Fund