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ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು (ಸಾಲ ನಿಧಿ) Vs ಸ್ಥಿರ ಠೇವಣಿ (ಎಫ್‌ಡಿ)
ಸಾಲ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ಮತ್ತು ಸ್ಥಿರ ಠೇವಣಿಗಳ ಮೇಲಿನ ತೆರಿಗೆ
ಟಾಪ್ 8 ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಸಾಲ ನಿಧಿಗಳು 2022
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FD Vs ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್

Updated on December 22, 2024 , 7582 views

FD ವಿರುದ್ಧಸಾಲ ನಿಧಿ? ಆಲೋಚನೆಎಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕು ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸಲು ನಿಮ್ಮ ಉಳಿತಾಯ. ಸಾಮಾನ್ಯವಾಗಿ, ಜನರು ಪರಿಗಣಿಸುತ್ತಾರೆಹೂಡಿಕೆ ಸ್ಥಿರ ಠೇವಣಿ ಅಥವಾ ಎಫ್‌ಡಿಯಲ್ಲಿ ಇದು ಅತ್ಯಂತ ಅನುಕೂಲಕರ ಆಯ್ಕೆಯಾಗಿದೆ ಏಕೆಂದರೆ ಅದು ಸುರಕ್ಷಿತವಾಗಿದೆ ಮತ್ತು ಸ್ಥಿರ ಆದಾಯವನ್ನು ನೀಡುತ್ತದೆ. ಆದರೆ ಇದು ಉತ್ತಮ ಮಾರ್ಗವೇ? ಫಿಕ್ಸೆಡ್ ಡೆಪಾಸಿಟ್ ಎಲ್ಲರಿಗೂ ಸುಲಭವಾದ ಹೂಡಿಕೆಯ ಆಯ್ಕೆಯಾಗಿದ್ದರೂ, ತೆರಿಗೆಗೆ ಒಳಪಡುವ ಸ್ಥಿರ ಠೇವಣಿಗಳ ಆದಾಯವು ಸಾಲ ನಿಧಿಗೆ ಹೋಲಿಸಿದರೆ ತುಂಬಾ ಕಡಿಮೆ. ಇದಲ್ಲದೆ, ದೀರ್ಘಾವಧಿಯವರೆಗೆ ಹಿಡಿದಿಟ್ಟುಕೊಂಡಾಗ, ಸಾಲಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆ. ಸಾಲ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ಅಥವಾ ಸ್ಥಿರ ಠೇವಣಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಅಂತಿಮ ನಿರ್ಧಾರವನ್ನು ತೆಗೆದುಕೊಳ್ಳುವ ಮೊದಲು, ಈ ಹೂಡಿಕೆಗಳ ವಿವರವಾದ ಹೋಲಿಕೆಯ ಮೂಲಕ ಹೋಗಿ.

ಸಾರಾಂಶದಲ್ಲಿ:

ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು (ಸಾಲ ನಿಧಿ) Vs ಸ್ಥಿರ ಠೇವಣಿ (ಎಫ್‌ಡಿ)

ಅಪಾಯವನ್ನು ತೆಗೆದುಕೊಳ್ಳುವ ಸಾಮರ್ಥ್ಯ ಮತ್ತು ಉದ್ದೇಶಿತ ಹಿಡುವಳಿ ಅವಧಿಯಿಂದ ನಾವು ಇದನ್ನು ಮುರಿಯಬೇಕಾಗಿದೆಹೂಡಿಕೆದಾರ ಪ್ರಶ್ನೆಯಲ್ಲಿ.

ಕಡಿಮೆ ಹಿಡುವಳಿ ಅವಧಿ (1 ವರ್ಷ ಅಥವಾ ಕಡಿಮೆ)

ಇಲ್ಲಿ ಸಾಲ ನಿಧಿಯ ಆಯ್ಕೆಗಳು ಸೀಮಿತವಾಗಿರುತ್ತವೆದ್ರವ ನಿಧಿಗಳು, ಅಲ್ಟ್ರಾ-ಅಲ್ಪಾವಧಿ ನಿಧಿಗಳು ಮತ್ತು ಅಲ್ಪಾವಧಿಆದಾಯ ನಿಧಿಗಳು. ರಿಟರ್ನ್ಸ್ ಅಥವಾ ಇಳುವರಿಗಳು ಸಾಮಾನ್ಯವಾಗಿ ದ್ರವದಿಂದ ಅಲ್ಟ್ರಾ-ಶಾರ್ಟ್‌ಗೆ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗೆ ಹೆಚ್ಚಿನದಾಗಿದ್ದರೂ, ಈ ಸಾಲ ನಿಧಿಗಳು ಮತ್ತು ಸ್ಥಿರ ಠೇವಣಿಗಳ ನಡುವಿನ ಇಳುವರಿ ವ್ಯತ್ಯಾಸವನ್ನು ಕಳೆದ ಒಂದು ವರ್ಷದಲ್ಲಿ ಅವರ ಆದಾಯವನ್ನು ಪರಿಗಣಿಸಿ ನಿರ್ಧರಿಸಬಹುದು.

ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ (ವರ್ಗದ ಸರಾಸರಿ ಆದಾಯ)

ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ವಿಧ	ಕಳೆದ 1 ವರ್ಷ ರಿಟರ್ನ್ (%)
ಲಿಕ್ವಿಡ್ ಫಂಡ್	7.36
ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು	9.18
ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು	9.78
ಡೈನಾಮಿಕ್ ಸಾಲ ನಿಧಿಗಳು	13.89
ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು	13.19
ಗಿಲ್ಟ್ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು	11.76
ಗಿಲ್ಟ್ ದೀರ್ಘಾವಧಿಯ ನಿಧಿಗಳು	15.06
20ನೇ ಫೆಬ್ರವರಿ 2017 ರ ಡೇಟಾ

ಸ್ಥಿರ ಠೇವಣಿ ಅಥವಾ FD ಸರಾಸರಿ ರಿಟರ್ನ್ ದರ

ಸ್ಥಿರ ಠೇವಣಿಗಳ ಸರಾಸರಿ ರಿಟರ್ನ್ ದರವು 8-8.5% p.a. 2016 ರಲ್ಲಿ (ಆದ್ದರಿಂದ ಒಬ್ಬರು ಮೇಲಿನ ಆದಾಯವನ್ನು ಕೋಷ್ಟಕದಲ್ಲಿ ಹೋಲಿಸಬಹುದು). ಆದಾಗ್ಯೂ, ಕಳೆದ ಒಂದು ವರ್ಷದಲ್ಲಿ, ರಿಟರ್ನ್ ದರವು 6.6-7.5% p.a ಗೆ ಇಳಿದಿದೆ.

ಮೇಲಿನ ವಿವರಣೆಯೊಂದಿಗೆ, ಸಾಲ ನಿಧಿಗಳ ಆದಾಯದ ಸರಾಸರಿ ದರವು ಸ್ಥಿರ ಠೇವಣಿಗಳಿಗಿಂತ ಉತ್ತಮವಾಗಿದೆ ಎಂಬುದು ಸ್ಪಷ್ಟವಾಗಿದೆ.

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ದೀರ್ಘಾವಧಿಯ ಹಿಡುವಳಿ ಅವಧಿ

ದೀರ್ಘ ಉದ್ದೇಶಿತ ಹಿಡುವಳಿ ಅವಧಿಯೊಂದಿಗೆ, ಸಾಲ ನಿಧಿಗಳು FD ಗಳಿಗಿಂತ ಉತ್ತಮವೆಂದು ಸಾಬೀತುಪಡಿಸಬಹುದು.

ಇಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಆಯ್ಕೆಗಳೆಂದರೆ:

ದೀರ್ಘಾವಧಿಯ ಆದಾಯ ನಿಧಿಗಳು
ದೀರ್ಘಕಾಲದ ಗಿಲ್ಟ್,
ಕಾರ್ಪೊರೇಟ್ಕರಾರುಪತ್ರ ನಿಧಿಗಳು (ಹೆಚ್ಚಿನ ಇಳುವರಿ ನಿಧಿಗಳು), ದ್ರವದ ಮೇಲೆ ತಿಳಿಸಲಾದ ಆಯ್ಕೆಗಳ ಜೊತೆಗೆ, ಅಲ್ಟ್ರಾ-ಶಾರ್ಟ್ ಮತ್ತು ಅಲ್ಪಾವಧಿಯ ಹಣವನ್ನು ಸಹ ಬಳಸಬಹುದು.

ಹಿಡುವಳಿ ಅವಧಿಯು 3 ವರ್ಷಗಳು ಅಥವಾ ಅದಕ್ಕಿಂತ ಹೆಚ್ಚಿನದಾಗಿರಬಹುದು, ನಾವು ಈ ಕೆಳಗಿನವುಗಳನ್ನು ಹೇಳಬಹುದು:

ಜೊತೆಗೆಬಂಡವಾಳ ಇಂಡೆಕ್ಸೇಶನ್ ಪ್ರಯೋಜನಗಳೊಂದಿಗೆ 20% ರಷ್ಟು ತೆರಿಗೆಯನ್ನು ಗಳಿಸಿದರೆ, ನಿವ್ವಳ ತೆರಿಗೆ ಸಂಭವವು ಕನಿಷ್ಠವಾಗಿರುತ್ತದೆ (ಆದಾಗ್ಯೂ ಒಬ್ಬರು ತೆರಿಗೆಗೆ ಒಳಗಾದ ವರ್ಷವನ್ನು ನೀಡಿದ ತೆರಿಗೆ ಘಟನೆಯನ್ನು ಲೆಕ್ಕ ಹಾಕಬೇಕು)
ದೀರ್ಘಾವಧಿಯ ಆದಾಯ ನಿಧಿಗಳು/ಗಿಲ್ಟ್ ನಿಧಿಗಳು ಹೆಚ್ಚಿನ ಇಳುವರಿಯೊಂದಿಗೆ ಮತ್ತು ಹೆಚ್ಚುವರಿಯಾಗಿ, ಬಡ್ಡಿದರಗಳು ಕಡಿಮೆಯಾದರೆ ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ನೀಡುತ್ತದೆ.
ಈ ಸಾಲ ನಿಧಿಗಳೊಂದಿಗೆ ಹೆಚ್ಚಿನ ಎರಡಂಕಿಯ ಆದಾಯದೊಂದಿಗೆ ಒಬ್ಬರು ಕೊನೆಗೊಳ್ಳಬಹುದು.

ದೀರ್ಘಾವಧಿಯ ಆದಾಯ ನಿಧಿಗಳ ಮೇಲಿನ ಆದಾಯದ ಕೆಳಗಿನ ಉದಾಹರಣೆಯನ್ನು ತೆಗೆದುಕೊಳ್ಳಿ, ವರ್ಗಕ್ಕೆ ಸರಾಸರಿ ಕೊನೆಯ 1-ವರ್ಷದ ಆದಾಯವು 12.19% ಮತ್ತು ಕಳೆದ 3 ವರ್ಷಗಳಲ್ಲಿ 10.32% p.a. ಈ ಅವಧಿಯಲ್ಲಿ ಯಾವುದೇ ಎಫ್‌ಡಿ ಇದೇ ರೀತಿಯ ರಿಟರ್ನ್ ನೀಡುತ್ತಿರಲಿಲ್ಲ. ಗಿಲ್ಟ್ ಫಂಡ್ ರಿಟರ್ನ್ಸ್ ಇನ್ನೂ ಹೆಚ್ಚಾಗಿರುತ್ತದೆ. ಅದೇ ಅವಧಿಯಲ್ಲಿ, ಕಳೆದ ವರ್ಷದ ಎಫ್‌ಡಿ ದರಗಳು ಹೆಚ್ಚಿನ ಬ್ಯಾಂಕ್‌ಗಳಲ್ಲಿ ವಾರ್ಷಿಕ 8-8.5% ರ ಸಮೀಪ ಇರುತ್ತಿತ್ತು, (ಇಂದು ದರಗಳು ಇನ್ನೂ 6.5 - 7.5% ಕ್ಕೆ ಇಳಿದಿವೆ)

ಆದ್ದರಿಂದ ಹೂಡಿಕೆದಾರರು ದೀರ್ಘಾವಧಿಯ ಹಿಡುವಳಿ ಅವಧಿಯನ್ನು ಹೊಂದಿರುವ ಮತ್ತು ಬಡ್ಡಿದರಗಳು ಕಡಿಮೆಯಾಗುವುದರೊಂದಿಗೆ, ಸಾಲ ನಿಧಿ (ದೀರ್ಘಾವಧಿಯ ಆದಾಯ ಅಥವಾ ಗಿಲ್ಟ್) FD ಗಿಂತ ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡುತ್ತದೆ. ಬಡ್ಡಿದರಗಳು ಕಡಿಮೆಯಾಗದಿದ್ದರೂ ಸಹ, ಹೆಚ್ಚಿನ ಇಳುವರಿ ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್ ಫಂಡ್‌ಗಳು ಅದೇ ಅವಧಿಯಲ್ಲಿ FD ಗಳನ್ನು ಸೋಲಿಸುತ್ತವೆ.

ಸಾಲ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ಮತ್ತು ಸ್ಥಿರ ಠೇವಣಿಗಳ ಮೇಲಿನ ತೆರಿಗೆ

ಸಾಲ ನಿಧಿಗಳು ಮತ್ತು ಸ್ಥಿರ ಠೇವಣಿಗಳ ಆದಾಯವನ್ನು ನಿರ್ಧರಿಸುವಲ್ಲಿ ತೆರಿಗೆಯು ಪ್ರಮುಖ ಪಾತ್ರವನ್ನು ವಹಿಸುತ್ತದೆ. ವಿಶಿಷ್ಟವಾಗಿ, ಸ್ಥಿರ ಠೇವಣಿಗಳ ಮೇಲಿನ ತೆರಿಗೆಯು 33% (ತೆರಿಗೆಯ ಕನಿಷ್ಠ ದರ) ಆದರೆ ಡೆಟ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಒಬ್ಬರು 3-ವರ್ಷಕ್ಕಿಂತ ಕಡಿಮೆ ವೀಕ್ಷಣೆಯೊಂದಿಗೆ ಹೂಡಿಕೆ ಮಾಡಿದರೆ ಡಿಡಿಟಿ (ಡಿವಿಡೆಂಡ್ ಡಿಸ್ಟ್ರಿಬ್ಯೂಷನ್ ಟ್ಯಾಕ್ಸ್) ಕಡಿತಗೊಳಿಸಿದರೆ ಡಿವಿಡೆಂಡ್ ವಿತರಣಾ ತೆರಿಗೆಯನ್ನು ಪಾವತಿಸುವುದು ಉತ್ತಮ ಆಯ್ಕೆಯಾಗಿದೆ. ಸರಿಸುಮಾರು 25% (+ಸರ್ಚಾರ್ಜ್ ಇತ್ಯಾದಿ). ಸಾಲ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳ ಮೇಲಿನ ತೆರಿಗೆಯು ಸ್ಥಿರ ಠೇವಣಿಗಳಿಗಿಂತ ತುಲನಾತ್ಮಕವಾಗಿ ಕಡಿಮೆಯಾಗಿದೆ ಎಂದು ಇದು ತೋರಿಸುತ್ತದೆ.

ಸಾಲ ನಿಧಿಗಳೊಂದಿಗೆ ಬರುವ ಹೆಚ್ಚುವರಿ ಪ್ರಯೋಜನಗಳೆಂದರೆ:

ದ್ರವ್ಯತೆ: 1-2 ದಿನಗಳಲ್ಲಿ ಹಣ ಲಭ್ಯವಿದೆವಿಮೋಚನೆ
ವೃತ್ತಿಪರ ನಿರ್ವಹಣೆ: ಕಾರ್ಯತಂತ್ರವನ್ನು ಕ್ರಿಯಾತ್ಮಕವಾಗಿ ಬದಲಾಯಿಸುವ ಮತ್ತು ಮಾರುಕಟ್ಟೆಗಳ ಲಾಭವನ್ನು ಪಡೆಯುವ ಸಾಮರ್ಥ್ಯ
ಯಾವುದೇ ಅಕಾಲಿಕ ವಾಪಸಾತಿ ದಂಡವಿಲ್ಲ.

ಸಂಕ್ಷಿಪ್ತವಾಗಿ ಹೇಳುವುದಾದರೆ:

ನಿಯತಾಂಕಗಳು	ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು	ಸ್ಥಿರ ಠೇವಣಿ
ರಿಟರ್ನ್ಸ್ ದರ	ಯಾವುದೇ ಖಚಿತವಾದ ರಿಟರ್ನ್ಸ್ ಇಲ್ಲ	ಸ್ಥಿರ ರಿಟರ್ನ್ಸ್
ಹಣದುಬ್ಬರ ಸರಿಹೊಂದಿಸಿದ ರಿಟರ್ನ್ಸ್	ಅಧಿಕ ಹಣದುಬ್ಬರ ಹೊಂದಾಣಿಕೆಯ ಆದಾಯದ ಸಾಮರ್ಥ್ಯ	ಸಾಮಾನ್ಯವಾಗಿ ಕಡಿಮೆ ಹಣದುಬ್ಬರ ಹೊಂದಾಣಿಕೆಯ ಆದಾಯ
ಅಪಾಯ	ಕಡಿಮೆಯಿಂದ ಹೆಚ್ಚಿನ ಅಪಾಯ (ನಿಧಿಯನ್ನು ಅವಲಂಬಿಸಿರುತ್ತದೆ	ಕಡಿಮೆ ಅಪಾಯ
ದ್ರವ್ಯತೆ	ದ್ರವ	ದ್ರವ
ಅಕಾಲಿಕ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವಿಕೆ	ನಿರ್ಗಮನ ಲೋಡ್‌ನೊಂದಿಗೆ ಅನುಮತಿಸಲಾಗಿದೆ/ಲೋಡ್ ಇಲ್ಲ	ದಂಡದೊಂದಿಗೆ ಅನುಮತಿಸಲಾಗಿದೆ
ಹೂಡಿಕೆಯ ವೆಚ್ಚ	ನಿರ್ವಹಣಾ ವೆಚ್ಚ/ವೆಚ್ಚದ ಅನುಪಾತ	ಯಾವುದೇ ವೆಚ್ಚವಿಲ್ಲ

ಟಾಪ್ 8 ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಸಾಲ ನಿಧಿಗಳು 2022

ಮೇಲಿನ ನಿವ್ವಳ ಸ್ವತ್ತುಗಳು/AUM ಹೊಂದಿರುವ ಸಾಲ ನಿಧಿಗಳ ಪಟ್ಟಿಯನ್ನು ಕೆಳಗೆ ನೀಡಲಾಗಿದೆ1000 ಕೋಟಿ ಮತ್ತು 3 ವರ್ಷದ ಸಂಯೋಜನೆಯಲ್ಲಿ ವಿಂಗಡಿಸಲಾಗಿದೆ (ಸಿಎಜಿಆರ್) ಹಿಂದಿರುಗಿಸುತ್ತದೆ.

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 8.7% 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% .

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 (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

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹215,396.
Net Profit of ₹35,396 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 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

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 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% .

Below is the key information for Aditya Birla Sun Life Dynamic Bond Fund

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

Aditya Birla Sun Life Dynamic Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for Aditya Birla Sun Life 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 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

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 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% .

Below is the key information for ICICI Prudential Regular Savings Fund

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

ICICI Prudential Regular Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for ICICI Prudential Regular Savings Fund

Returns up to 1 year are on 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

(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 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% .

Below is the key information for SBI Credit Risk Fund

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

SBI Credit Risk Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for SBI Credit Risk Fund

Returns up to 1 year are on 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

(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 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% .

Below is the key information for SBI Magnum Gilt Fund

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

SBI Magnum Gilt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for SBI Magnum Gilt Fund

Returns up to 1 year are on 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

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 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% .

Below is the key information for ICICI Prudential Long Term Plan

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

ICICI Prudential Long Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for ICICI Prudential Long 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 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

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 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% .

Below is the key information for Aditya Birla Sun Life Floating Rate Fund - Long Term

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

Aditya Birla Sun Life Floating Rate Fund - Long Term 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 Aditya Birla Sun Life Floating Rate Fund - Long Term

Returns up to 1 year are on 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

(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 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% .

Below is the key information for ICICI Prudential Savings Fund

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

ICICI Prudential Savings 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 Savings Fund

Returns up to 1 year are on 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

Disclaimer:
ಇಲ್ಲಿ ಒದಗಿಸಲಾದ ಮಾಹಿತಿಯು ನಿಖರವಾಗಿದೆ ಎಂದು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಎಲ್ಲಾ ಪ್ರಯತ್ನಗಳನ್ನು ಮಾಡಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಡೇಟಾದ ನಿಖರತೆಯ ಬಗ್ಗೆ ಯಾವುದೇ ಗ್ಯಾರಂಟಿಗಳನ್ನು ನೀಡಲಾಗುವುದಿಲ್ಲ. ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು ದಯವಿಟ್ಟು ಸ್ಕೀಮ್ ಮಾಹಿತಿ ದಾಖಲೆಯೊಂದಿಗೆ ಪರಿಶೀಲಿಸಿ.