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ಮಧ್ಯಮ ಅವಧಿಯ ಸಾಲ ನಿಧಿಗಳು- ಅವಲೋಕನ
ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ವೈಶಿಷ್ಟ್ಯಗಳು
ಟಾಪ್ 7 ಅತ್ಯುತ್ತಮ ಪ್ರದರ್ಶನ ಮಧ್ಯಮ ಅವಧಿಯ ನಿಧಿಗಳು 2022 - 2023
ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಮಧ್ಯಮ ಅವಧಿಯ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?
Top 7 Debt - Medium term Bond Funds

7 ಅತ್ಯುತ್ತಮ ಮಧ್ಯಮ ಅವಧಿಯ ನಿಧಿಗಳು 2022

Updated on March 29, 2025 , 7818 views

ನೀವು ಮಧ್ಯಮ ಅವಧಿಯ ಹೂಡಿಕೆಯ ಆಯ್ಕೆಯನ್ನು ಹುಡುಕುತ್ತಿರುವಿರಾ? ನೀವು ಮುಂದಿನ 3-4 ವರ್ಷಗಳವರೆಗೆ ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುವ ಐಡಲ್ ಹಣವನ್ನು ಹೊಂದಿದ್ದೀರಾ? ಹೌದು ಎಂದಾದರೆ, ನಿಮಗಾಗಿ ನಿಧಿ ಇಲ್ಲಿದೆ- ಮಧ್ಯಮ ಅವಧಿಯ ನಿಧಿಗಳು! ಮಧ್ಯಮ ಅವಧಿಯ ನಿಧಿಗಳು ಒಂದು ರೀತಿಯ ಸಾಲವಾಗಿದೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಅದು ಸಾಲದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆ ಮತ್ತುಹಣದ ಮಾರುಕಟ್ಟೆ ಮೂರರಿಂದ ನಾಲ್ಕು ವರ್ಷಗಳ ಮೆಕಾಲೆ ಅವಧಿಯ ಉಪಕರಣಗಳು. ಹೂಡಿಕೆ ಮಾಡಲು ಕೆಲವು ಉತ್ತಮ ಮಧ್ಯಮ ಅವಧಿಯ ಫಂಡ್‌ಗಳನ್ನು ನೋಡುವುದರ ಜೊತೆಗೆ ಈ ನಿಧಿಯ ಬಗ್ಗೆ ಇನ್ನಷ್ಟು ತಿಳಿದುಕೊಳ್ಳೋಣ.

ಮಧ್ಯಮ ಅವಧಿಯ ಸಾಲ ನಿಧಿಗಳು- ಅವಲೋಕನ

ಸಾಲವನ್ನು ಸಾಮಾನ್ಯವಾಗಿ ಮುಕ್ತಾಯದ ಪರಿಭಾಷೆಯಲ್ಲಿ ವರ್ಗೀಕರಿಸಲಾಗಿದೆ. ನ ನಿಯಮಗಳುಸಾಲ ನಿಧಿ ಅವು - ಕಡಿಮೆ ಅವಧಿಯ ನಿಧಿಗಳು, ಅಲ್ಪಾವಧಿ, ಮಧ್ಯಮ ಅವಧಿ, ಮಧ್ಯಮದಿಂದ ದೀರ್ಘಾವಧಿ ಮತ್ತು ದೀರ್ಘಾವಧಿಯ ನಿಧಿಗಳು. ಮಧ್ಯಮ ಅವಧಿಯ ನಿಧಿಗಳು 3-4 ವರ್ಷಗಳ ಮುಕ್ತಾಯದೊಂದಿಗೆ ಸಾಲ ಭದ್ರತೆಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ. ಈ ನಿಧಿಯ ಮುಕ್ತಾಯವು ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳಿಗಿಂತ ಕಡಿಮೆ ಮತ್ತು ದೀರ್ಘಾವಧಿಯ ನಿಧಿಗಳಿಗಿಂತ ಹೆಚ್ಚಾಗಿರುತ್ತದೆ.

ವಿಶಿಷ್ಟವಾಗಿ, ಮಧ್ಯಮ ಅವಧಿಯ ನಿಧಿಗಳ ಬಡ್ಡಿದರವು ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಿಂತ ಹೆಚ್ಚಾಗಿರುತ್ತದೆ. ತಾತ್ತ್ವಿಕವಾಗಿ, ಅಲ್ಪಾವಧಿಯ ಬಡ್ಡಿದರಗಳು ಹೆಚ್ಚಿರುವಾಗ ಈ ನಿಧಿಗಳು ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತವೆ. ಸಾಲ ನಿಧಿಗಳು ಅಪಾಯ-ಮುಕ್ತವಾಗಿವೆ ಎಂಬ ಜನಪ್ರಿಯ ನಂಬಿಕೆ ಇದೆ, ಆದರೆ ಅವು ಸಂಪೂರ್ಣವಾಗಿ ಅಪಾಯ-ಮುಕ್ತವಾಗಿಲ್ಲ. ಸಾಲದ ಸ್ವತ್ತುಗಳಿಗೆ ಲಗತ್ತಿಸಲಾದ ಕೆಲವು ಪ್ರಮಾಣಿತ ಅಪಾಯಗಳಿವೆ- ಬಡ್ಡಿ ದರದ ಅಪಾಯ, ಕ್ರೆಡಿಟ್ ಅಪಾಯ ಮತ್ತುದ್ರವ್ಯತೆ ಅಪಾಯ.

ಮಧ್ಯಮ ಅವಧಿಯ ನಿಧಿಗಳ ಬಡ್ಡಿದರ-ಅಪಾಯವನ್ನು ನಾವು ನೋಡಿದರೆ ಅದು ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಿಂತ ಹೆಚ್ಚಾಗಿರುತ್ತದೆ. ಆದ್ದರಿಂದ, ಈ ರೀತಿಯ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಯೋಜಿಸುತ್ತಿರುವ ಹೂಡಿಕೆದಾರರು ಹೂಡಿಕೆಗಳಲ್ಲಿ ಕಡಿಮೆ ಅಪಾಯವನ್ನು ಸಹಿಸಿಕೊಳ್ಳಲು ಸಾಧ್ಯವಾಗುತ್ತದೆ.

ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ವೈಶಿಷ್ಟ್ಯಗಳು

ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ, ಹೂಡಿಕೆಯಿಂದ ಅಗತ್ಯವಿರುವ ಹಣವನ್ನು ಯಾವುದೇ ಸಮಯದಲ್ಲಿ ಹಿಂಪಡೆಯಬಹುದು ಮತ್ತು ಉಳಿದ ನಿಧಿಯನ್ನು ಹೂಡಿಕೆ ಮಾಡಲು ಅವಕಾಶ ನೀಡಬಹುದು.
ನಿಯಮಿತ ಅವಧಿಯಲ್ಲಿ ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸಲು ಸಾಲ ನಿಧಿಗಳನ್ನು ಆದರ್ಶವಾಗಿ ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ. ಉದಾಹರಣೆಗೆ, ಡಿವಿಡೆಂಡ್ ಪಾವತಿಯನ್ನು ಆಯ್ಕೆ ಮಾಡುವುದು ನಿಯಮಿತವಾದ ಆಯ್ಕೆಯಾಗಿದೆಆದಾಯ ಹರಿವು.
ಭಿನ್ನವಾಗಿಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು, ಸಾಲಗಳು ಪರಿಣಾಮ ಬೀರುವುದಿಲ್ಲಮಾರುಕಟ್ಟೆ ಚಂಚಲತೆ, ವಾಸ್ತವವಾಗಿ ಅವು ಬಡ್ಡಿದರದ ಅಪಾಯ ಮತ್ತು ಕ್ರೆಡಿಟ್ ಅಪಾಯದಂತಹ ಪ್ರಮಾಣಿತ ಅಪಾಯವನ್ನು ಹೊಂದಿರುತ್ತವೆ.
ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ, ನೀವು ಉತ್ಪಾದಿಸಬಹುದುಸ್ಥಿರ ಆದಾಯ ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆಯನ್ನು ಪ್ರಾರಂಭಿಸುವ ಮೂಲಕ ಪ್ರತಿ ತಿಂಗಳು (SWP ಮೀಸಲುSIP/ದಯವಿಟ್ಟು) ಮಾಸಿಕ ನಿಗದಿತ ಮೊತ್ತವನ್ನು ಹಿಂಪಡೆಯಲುಆಧಾರ. ಅಲ್ಲದೆ, ಅಗತ್ಯವಿದ್ದಾಗ ನೀವು SWP ಮೊತ್ತವನ್ನು ಬದಲಾಯಿಸಬಹುದು.

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ಟಾಪ್ 7 ಅತ್ಯುತ್ತಮ ಪ್ರದರ್ಶನ ಮಧ್ಯಮ ಅವಧಿಯ ನಿಧಿಗಳು 2022 - 2023

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Medium Term Plan Growth	₹38.8187 ↑ 0.02	₹2,144	4.4	7.6	13	13.7	10.5	7.72%	3Y 9M 18D	5Y 1M 20D
Axis Strategic Bond Fund Growth	₹27.3652 ↑ 0.01	₹1,987	2.4	4.1	8.7	7	8.7	8.05%	3Y 6M 11D	5Y
ICICI Prudential Medium Term Bond Fund Growth	₹43.7855 ↑ 0.02	₹5,684	2.4	4.2	8.5	7	8	8.37%	3Y 2M 16D	4Y 8M 19D
SBI Magnum Medium Duration Fund Growth	₹50.101 ↑ 0.02	₹6,469	2.3	3.9	8.3	6.7	8.1	7.9%	3Y 4M 13D	4Y 9M 25D
Kotak Dynamic Bond Fund Growth	₹36.8708 ↑ 0.01	₹3,001	2.5	2.8	8.5	6.7	9.3	7.24%	8Y 3M 18D	18Y 4M 2D
L&T Resurgent India Bond Fund Growth	₹19.9928 ↑ 0.01	₹657	2.6	4	8.5	6.5	8.2	7.9%	3Y 9M 7D	5Y 7M 20D
DSP BlackRock Bond Fund Growth	₹79.9973 ↑ 0.04	₹303	2.7	4.1	8.4	6.5	7.6	7.36%	3Y 2M 19D	4Y 4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Mar 25

*ಮೇಲೆ ಅತ್ಯುತ್ತಮ ಪಟ್ಟಿ ಇದೆಮಧ್ಯಮ ಅವಧಿ ಮೇಲಿನ AUM/Net ಸ್ವತ್ತುಗಳನ್ನು ಹೊಂದಿರುವ ನಿಧಿಗಳು100 ಕೋಟಿ. ವಿಂಗಡಿಸಲಾಗಿದೆಕಳೆದ 3 ವರ್ಷದ ರಿಟರ್ನ್.

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
2024	10.5%
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%

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
2024	8.7%
2023	7.3%
2022	3.8%
2021	5.2%
2020	10.5%
2019	7.1%
2018	6.7%
2017	7.5%
2016	11.6%
2015	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. ICICI Prudential Medium Term Bond Fund

(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.

ICICI Prudential Medium Term Bond Fund is a Debt - Medium term Bond fund was launched on 15 Sep 04. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch. Ranked 23 in Medium term Bond category. Return for 2024 was 8% , 2023 was 7% and 2022 was 4.2% .

Below is the key information for ICICI Prudential Medium Term Bond Fund

ICICI Prudential Medium Term Bond Fund Growth
Launch Date	15 Sep 04
NAV (31 Mar 25)	₹43.7855 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹5,684 on 15 Mar 25
Category	Debt - Medium term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.4
Sharpe Ratio	1.25
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	8.37%
Effective Maturity	4 Years 8 Months 19 Days
Modified Duration	3 Years 2 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,836
31 Mar 22	₹11,419
31 Mar 23	₹11,993
31 Mar 24	₹12,889
31 Mar 25	₹13,981

ICICI Prudential Medium Term 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 ICICI Prudential Medium Term 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	1.2%
3 Month	2.4%
6 Month	4.2%
1 Year	8.5%
3 Year	7%
5 Year	6.9%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	7%
2022	4.2%
2021	5.5%
2020	10.4%
2019	9.2%
2018	5.1%
2017	6.5%
2016	10.2%
2015	8.4%

Fund Manager information for ICICI Prudential Medium Term Bond Fund

Name	Since	Tenure
Manish Banthia	7 Nov 16	8.4 Yr.
Akhil Kakkar	22 Jan 24	1.19 Yr.

Data below for ICICI Prudential Medium Term Bond Fund as on 15 Mar 25

Asset Allocation

Asset Class	Value
Cash	8.18%
Equity	1.05%
Debt	90.46%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	62.78%
Government	25.76%
Cash Equivalent	8.18%
Securitized	1.92%

Credit Quality

Rating	Value
AA	59.48%
AAA	40.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	22%	₹1,245 Cr	121,656,650 ↓ -2,916,700
Vedanta Limited Debentures \| -	3%	₹169 Cr	17,000
Godrej Properties Limited Debentures \| -	3%	₹151 Cr	15,000
Oberoi Realty Ltd. Debentures \| -	3%	₹150 Cr	15,000
Tata Projects Limited Debentures \| -	3%	₹149 Cr	15,000
Pipeline Infrastructure Private Limited Debentures \| -	2%	₹126 Cr	12,400
Macrotech Developers Ltd. Debentures \| -	2%	₹125 Cr	12,500
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹117 Cr	11,301,500 ↑ 2,500,000
TVS Credit Services Limited Debentures \| -	2%	₹112 Cr	110
Ess Kay Limited Debentures \| -	2%	₹109 Cr	11,000

4. SBI Magnum Medium Duration Fund

(Erstwhile SBI Regular Savings Fund)

To provide attractive returns to the Magnum holders / Unit holders either through periodic dividends or through capital appreciation through an actively managed portfolio of debt, equity and money market instruments.

SBI Magnum Medium Duration Fund is a Debt - Medium term Bond fund was launched on 12 Nov 03. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.8% since its launch. Ranked 18 in Medium term Bond category. Return for 2024 was 8.1% , 2023 was 7.2% and 2022 was 3.4% .

Below is the key information for SBI Magnum Medium Duration Fund

SBI Magnum Medium Duration Fund Growth
Launch Date	12 Nov 03
NAV (31 Mar 25)	₹50.101 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹6,469 on 15 Mar 25
Category	Debt - Medium term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.22
Sharpe Ratio	0.88
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1.5%),12 Months and above(NIL)
Yield to Maturity	7.9%
Effective Maturity	4 Years 9 Months 25 Days
Modified Duration	3 Years 4 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,898
31 Mar 22	₹11,430
31 Mar 23	₹11,925
31 Mar 24	₹12,836
31 Mar 25	₹13,902

SBI Magnum Medium Duration 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 SBI Magnum Medium Duration 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	3.9%
1 Year	8.3%
3 Year	6.7%
5 Year	6.8%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.1%
2023	7.2%
2022	3.4%
2021	3.8%
2020	12.3%
2019	11.1%
2018	6.2%
2017	7.6%
2016	14%
2015	6.6%

Fund Manager information for SBI Magnum Medium Duration Fund

Name	Since	Tenure
Lokesh Mallya	1 Dec 23	1.33 Yr.
Mohit Jain	30 Nov 17	7.34 Yr.

Data below for SBI Magnum Medium Duration Fund as on 15 Mar 25

Asset Allocation

Asset Class	Value
Cash	22.1%
Debt	77.6%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	50.65%
Government	31.12%
Cash Equivalent	17.92%

Credit Quality

Rating	Value
A	7.66%
AA	44.78%
AAA	47.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	12%	₹786 Cr	76,500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	8%	₹550 Cr	53,500,000
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	5%	₹342 Cr	34,000,000
Godrej Properties Limited Debentures \| -	5%	₹301 Cr	30,000
7.23% Government Of India (15/04/2039) Sovereign Bonds \| -	4%	₹284 Cr	27,500,000
Avanse Financial Services Ltd. Debentures \| -	4%	₹250 Cr	25,000
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	4%	₹234 Cr	24,000
Century Textiles And Industried Limited Debentures \| -	3%	₹220 Cr	22,000
Yes Bank Limited Debentures \| -	3%	₹220 Cr	2,250
Renserv Global Pvt Ltd. Debentures \| -	3%	₹210 Cr	21,000

5. 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
2024	9.3%
2023	6.5%
2022	2.5%
2021	3.2%
2020	11.7%
2019	11.1%
2018	7.3%
2017	5.6%
2016	13.4%
2015	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

6. L&T Resurgent India Bond Fund

(Erstwhile L&T Resurgent India Corporate Bond Fund)

"To seek to generate income by investing primarily in debt and money market securities of fundamentally strong corporates/companies in growth sectors which are closely associated with the resurgence of domestic economy, with a fl exibility to follow more conservative investment approach during economic downturns. There is no assurance that the objective of the Scheme will be realised and the Scheme does not assure or guarantee any returns."

L&T Resurgent India Bond Fund is a Debt - Medium term Bond fund was launched on 2 Feb 15. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.1% since its launch. Return for 2024 was 8.2% , 2023 was 7% and 2022 was 2.6% .

Below is the key information for L&T Resurgent India Bond Fund

L&T Resurgent India Bond Fund Growth
Launch Date	2 Feb 15
NAV (31 Mar 25)	₹19.9928 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹657 on 15 Mar 25
Category	Debt - Medium term Bond
AMC	L&T Investment Management Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.1
Sharpe Ratio	0.83
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (2%),1-2 Years (1%),2 Years and above(NIL)
Yield to Maturity	7.9%
Effective Maturity	5 Years 7 Months 20 Days
Modified Duration	3 Years 9 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,727
31 Mar 22	₹11,231
31 Mar 23	₹11,623
31 Mar 24	₹12,511
31 Mar 25	₹13,579

L&T Resurgent India 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 L&T Resurgent India 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	1.4%
3 Month	2.6%
6 Month	4%
1 Year	8.5%
3 Year	6.5%
5 Year	6.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.2%
2023	7%
2022	2.6%
2021	4.5%
2020	9.7%
2019	7.3%
2018	4.4%
2017	6.3%
2016	10.8%
2015

Fund Manager information for L&T Resurgent India Bond Fund

Name	Since	Tenure
Shriram Ramanathan	2 Feb 15	10.17 Yr.

Data below for L&T Resurgent India Bond Fund as on 15 Mar 25

Asset Allocation

Asset Class	Value
Cash	9.02%
Debt	90.65%
Other	0.34%

Debt Sector Allocation

Sector	Value
Corporate	50.43%
Government	40.22%
Cash Equivalent	9.02%

Credit Quality

Rating	Value
AA	26.05%
AAA	73.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Rural Electrification Corporation Limited Debentures \| -	8%	₹54 Cr	5,000
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	7%	₹47 Cr	4,500,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	6%	₹42 Cr	4,000,000 ↓ -7,500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	6%	₹42 Cr	4,000,000
Delhi International Airport Limited Debentures \| -	5%	₹31 Cr	3,000
Aadhar Housing Finance Limited Debentures \| -	4%	₹27 Cr	2,500
Aditya Birla Renewables Limited Debentures \| -	4%	₹26 Cr	2,500
7.04% Govt Stock 2029 Sovereign Bonds \| -	4%	₹26 Cr	2,500,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	4%	₹26 Cr	2,500,000
Small Industries Development Bank Of India Debentures \| -	4%	₹26 Cr	2,500

7. 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
2024	7.6%
2023	7%
2022	2.9%
2021	3.4%
2020	10%
2019	3%
2018	3.6%
2017	5%
2016	12.9%
2015	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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