Table of Contents
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:
ಅಪಾಯವನ್ನು ತೆಗೆದುಕೊಳ್ಳುವ ಸಾಮರ್ಥ್ಯ ಮತ್ತು ಉದ್ದೇಶಿತ ಹಿಡುವಳಿ ಅವಧಿಯಿಂದ ನಾವು ಇದನ್ನು ಮುರಿಯಬೇಕಾಗಿದೆಹೂಡಿಕೆದಾರ ಪ್ರಶ್ನೆಯಲ್ಲಿ.
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 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 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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ದೀರ್ಘ ಉದ್ದೇಶಿತ ಹಿಡುವಳಿ ಅವಧಿಯೊಂದಿಗೆ, ಸಾಲ ನಿಧಿಗಳು FD ಗಳಿಗಿಂತ ಉತ್ತಮವೆಂದು ಸಾಬೀತುಪಡಿಸಬಹುದು.
ಇಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಆಯ್ಕೆಗಳೆಂದರೆ:
ಹಿಡುವಳಿ ಅವಧಿಯು 3 ವರ್ಷಗಳು ಅಥವಾ ಅದಕ್ಕಿಂತ ಹೆಚ್ಚಿನದಾಗಿರಬಹುದು, ನಾವು ಈ ಕೆಳಗಿನವುಗಳನ್ನು ಹೇಳಬಹುದು:
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 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:
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 |
ಮೇಲಿನ ನಿವ್ವಳ ಸ್ವತ್ತುಗಳು/AUM ಹೊಂದಿರುವ ಸಾಲ ನಿಧಿಗಳ ಪಟ್ಟಿಯನ್ನು ಕೆಳಗೆ ನೀಡಲಾಗಿದೆ1000 ಕೋಟಿ
ಮತ್ತು 3 ವರ್ಷದ ಸಂಯೋಜನೆಯಲ್ಲಿ ವಿಂಗಡಿಸಲಾಗಿದೆ (ಸಿಎಜಿಆರ್) ಹಿಂದಿರುಗಿಸುತ್ತದೆ.
The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to make regular dividend payments to unit holders & secondary objective is growth of capital. Aditya Birla Sun Life Medium Term Plan is a Debt - Medium term Bond fund was launched on 25 Mar 09. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Medium Term Plan Returns up to 1 year are on An Open-ended income scheme with the objective to generate optimal returns with high liquidity through active management of the portfolio by investing in high quality debt and money market instruments. Aditya Birla Sun Life Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 27 Sep 04. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Dynamic Bond Fund Returns up to 1 year are on The fund’s objective is to provide reasonable returns, by maintaining an optimum balance of safety, liquidity and yield, through investments in a basket of debt and money market instruments with a view to delivering consistent performance. However, there can be no assurance that the investment objective of the Scheme will be realized. ICICI Prudential Regular Savings Fund is a Debt - Credit Risk fund was launched on 3 Dec 10. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Regular Savings Fund Returns up to 1 year are on (Erstwhile SBI Magnum Gilt Fund - Long Term Plan) To provide the investors with returns generated through investments in government securities issued by the Central Government and / or a State Government SBI Magnum Gilt Fund is a Debt - Government Bond fund was launched on 30 Dec 00. It is a fund with Moderate risk and has given a Below is the key information for SBI Magnum Gilt Fund Returns up to 1 year are on (Erstwhile SBI Corporate Bond Fund) The investment objective will be to actively manage a portfolio of good
quality corporate debt as well as Money Market Instruments so as to provide
reasonable returns and liquidity to the Unit holders. However there is no
guarantee or assurance that the investment objective of the scheme will
be achieved. SBI Credit Risk Fund is a Debt - Credit Risk fund was launched on 19 Jul 04. It is a fund with Moderate risk and has given a Below is the key information for SBI Credit Risk Fund Returns up to 1 year are on (Erstwhile Reliance Liquidity Fund) The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Nippon India Money Market Fund is a Debt - Money Market fund was launched on 16 Jun 05. It is a fund with Low risk and has given a Below is the key information for Nippon India Money Market Fund Returns up to 1 year are on 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 To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities. UTI Money Market Fund is a Debt - Money Market fund was launched on 13 Jul 09. It is a fund with Low risk and has given a Below is the key information for UTI Money Market Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Medium Term Plan
CAGR/Annualized
return of 8.7% since its launch. Ranked 6 in Medium term Bond
category. Return for 2023 was 6.9% , 2022 was 24.8% and 2021 was 7.1% . Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (19 Nov 24) ₹36.8396 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹1,968 on 31 Oct 24 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 2.41 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 7.73% Effective Maturity 5 Years 1 Month 10 Days Modified Duration 3 Years 10 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹9,829 31 Oct 21 ₹10,863 31 Oct 22 ₹13,465 31 Oct 23 ₹14,377 31 Oct 24 ₹15,955 Returns for Aditya Birla Sun Life Medium Term Plan
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 19 Nov 24 Duration Returns 1 Month 0.3% 3 Month 3.5% 6 Month 6.5% 1 Year 10.3% 3 Year 13.6% 5 Year 9.7% 10 Year 15 Year Since launch 8.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.9% 2022 24.8% 2021 7.1% 2020 8.1% 2019 -4.4% 2018 5.6% 2017 7% 2016 10.9% 2015 9.5% 2014 12% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 10.18 Yr. Mohit Sharma 6 Aug 20 4.24 Yr. Dhaval Joshi 21 Nov 22 1.95 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 9.58% Equity 3.16% Debt 85.9% Other 1.35% Debt Sector Allocation
Sector Value Government 48.02% Corporate 37.28% Cash Equivalent 9.58% Securitized 0.59% Credit Quality
Rating Value A 5.55% AA 32.83% AAA 61.62% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.18 Goi 14082033
Sovereign Bonds | -28% ₹549 Cr 53,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -11% ₹206 Cr 20,000,000 07.18 Goi 24072037
Sovereign Bonds | -6% ₹108 Cr 10,500,000 Adani Airport Holdings Limited
Debentures | -3% ₹53 Cr 5,300
↑ 5,300 Creditaccess Grameen Limited
Debentures | -3% ₹50 Cr 500,000 Belstar Microfinance Limited
Debentures | -3% ₹50 Cr 5,000 JSW Steel Limited
Debentures | -3% ₹50 Cr 500 Piramal Capital & Housing Finance Ltd
Debentures | -2% ₹48 Cr 4,800 Hinduja Housing Finance Limited 8.85%
Debentures | -2% ₹46 Cr 4,600 JM Financial Products Limited
Debentures | -2% ₹40 Cr 4,000 2. Aditya Birla Sun Life Dynamic Bond Fund
CAGR/Annualized
return of 7.6% since its launch. Ranked 16 in Dynamic Bond
category. Return for 2023 was 6.9% , 2022 was 6% and 2021 was 4.9% . Aditya Birla Sun Life Dynamic Bond Fund
Growth Launch Date 27 Sep 04 NAV (19 Nov 24) ₹43.8614 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹1,697 on 31 Oct 24 Category Debt - Dynamic Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.21 Sharpe Ratio 1.24 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-90 Days (0.5%),90 Days and above(NIL) Yield to Maturity 7.16% Effective Maturity 15 Years 1 Month 10 Days Modified Duration 8 Years 3 Months 11 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,385 31 Oct 21 ₹10,975 31 Oct 22 ₹11,561 31 Oct 23 ₹12,290 31 Oct 24 ₹13,482 Returns for Aditya Birla Sun Life Dynamic Bond Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 19 Nov 24 Duration Returns 1 Month 0.1% 3 Month 1.7% 6 Month 4.7% 1 Year 8.8% 3 Year 7% 5 Year 6.1% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.9% 2022 6% 2021 4.9% 2020 9.7% 2019 -0.9% 2018 5.7% 2017 2.2% 2016 14% 2015 7.4% 2014 14.8% Fund Manager information for Aditya Birla Sun Life Dynamic Bond Fund
Name Since Tenure Mohit Sharma 22 Mar 21 3.62 Yr. Bhupesh Bameta 6 Aug 20 4.24 Yr. Dhaval Joshi 21 Nov 22 1.95 Yr. Data below for Aditya Birla Sun Life Dynamic Bond Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 2.61% Debt 97.12% Other 0.27% Debt Sector Allocation
Sector Value Government 80.72% Corporate 16.4% Cash Equivalent 2.61% Credit Quality
Rating Value A 2.68% AA 4.83% AAA 92.49% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.18 Goi 24072037
Sovereign Bonds | -35% ₹587 Cr 57,000,000 7.30 Goi 19062053
Sovereign Bonds | -15% ₹246 Cr 23,500,000 7.23% Goi 15/04/2039
Sovereign Bonds | -11% ₹187 Cr 18,000,000
↓ -2,500,000 07.18 Goi 14082033
Sovereign Bonds | -10% ₹174 Cr 17,000,000 Cholamandalam Investment And Finance Company Limited
Debentures | -5% ₹81 Cr 8,000 State Bank Of India
Debentures | -4% ₹76 Cr 75 7.25% Govt Stock 2063
Sovereign Bonds | -3% ₹52 Cr 5,000,000 Bajaj Finance Ltd. 7.93%
Debentures | -3% ₹51 Cr 5,000 7.10%Goi 08/04/2034
Sovereign Bonds | -3% ₹47 Cr 4,590,200
↑ 1,000,000 Adani Airport Holdings Limited
Debentures | -3% ₹45 Cr 4,500
↑ 4,500 3. ICICI Prudential Regular Savings Fund
CAGR/Annualized
return of 8.2% since its launch. Ranked 26 in Credit Risk
category. Return for 2023 was 7.2% , 2022 was 5.1% and 2021 was 6.2% . ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (19 Nov 24) ₹30.1306 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹6,387 on 31 Oct 24 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 2.49 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 8.53% Effective Maturity 2 Years 4 Months 17 Days Modified Duration 1 Year 10 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,006 31 Oct 21 ₹11,763 31 Oct 22 ₹12,318 31 Oct 23 ₹13,172 31 Oct 24 ₹14,389 Returns for ICICI Prudential Regular Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 19 Nov 24 Duration Returns 1 Month 0.5% 3 Month 1.9% 6 Month 4.8% 1 Year 8.7% 3 Year 6.8% 5 Year 7.5% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.2% 2022 5.1% 2021 6.2% 2020 9.8% 2019 9.5% 2018 6.6% 2017 6.8% 2016 9.5% 2015 9% 2014 11% Fund Manager information for ICICI Prudential Regular Savings Fund
Name Since Tenure Manish Banthia 7 Nov 16 7.99 Yr. Akhil Kakkar 22 Jan 24 0.78 Yr. Data below for ICICI Prudential Regular Savings Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 14.1% Equity 1.91% Debt 83.67% Other 0.32% Debt Sector Allocation
Sector Value Corporate 75.38% Government 11.17% Cash Equivalent 5.62% Securitized 5.6% Credit Quality
Rating Value A 13.02% AA 57.04% AAA 29.94% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks Reit
Unlisted bonds | -5% ₹303 Cr 7,756,117 7.10%Goi 08/04/2034
Sovereign Bonds | -5% ₹291 Cr 28,458,830
↑ 4,663,200 Varroc Engineering Limited
Debentures | -4% ₹248 Cr 25,000 Millennia Realtors Private Limited
Debentures | -3% ₹210 Cr 2,100 Aadhar Housing Finance Ltd
Debentures | -3% ₹176 Cr 17,500 7.17% Govt Stock 2030
Sovereign Bonds | -2% ₹153 Cr 15,000,000 Nirma Limited
Debentures | -2% ₹151 Cr 15,000 Dlf Home Developers Limited
Debentures | -2% ₹150 Cr 15,000 HDFC Bank Ltd.
Debentures | -2% ₹122 Cr 2,500 Yes Bank Limited
Debentures | -2% ₹105 Cr 1,050 4. SBI Magnum Gilt Fund
CAGR/Annualized
return of 8% since its launch. Ranked 3 in Government Bond
category. Return for 2023 was 7.6% , 2022 was 4.2% and 2021 was 3% . SBI Magnum Gilt Fund
Growth Launch Date 30 Dec 00 NAV (19 Nov 24) ₹62.9871 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹10,937 on 31 Oct 24 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 1.21 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.99% Effective Maturity 22 Years 6 Months 14 Days Modified Duration 9 Years 3 Months 22 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,210 31 Oct 21 ₹11,573 31 Oct 22 ₹11,963 31 Oct 23 ₹12,832 31 Oct 24 ₹14,122 Returns for SBI Magnum Gilt Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 19 Nov 24 Duration Returns 1 Month 0% 3 Month 1.3% 6 Month 4.5% 1 Year 9% 3 Year 6.7% 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 Yr. Tejas Soman 1 Dec 23 0.92 Yr. Data below for SBI Magnum Gilt Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 9.76% Debt 90.24% Debt Sector Allocation
Sector Value Government 90.24% Cash Equivalent 9.76% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -36% ₹3,886 Cr 372,000,000 7.23% Govt Stock 2039
Sovereign Bonds | -20% ₹2,199 Cr 213,000,000
↑ 25,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -19% ₹2,093 Cr 205,603,800
↓ -94,533,900 7.3% Govt Stock 2053
Sovereign Bonds | -8% ₹915 Cr 88,000,000 7.93% Govt Stock 2033
Sovereign Bonds | -2% ₹242 Cr 23,500,000 7.25% Govt Stock 2063
Sovereign Bonds | -2% ₹191 Cr 18,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -1% ₹154 Cr 15,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -1% ₹102 Cr 10,202,600
↑ 10,202,600 Treps
CBLO/Reverse Repo | -9% ₹1,008 Cr Net Receivable / Payable
CBLO | -0% ₹50 Cr 5. SBI Credit Risk Fund
CAGR/Annualized
return of 7.5% since its launch. Ranked 3 in Credit Risk
category. Return for 2023 was 8.3% , 2022 was 4.2% and 2021 was 5% . SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (19 Nov 24) ₹43.2767 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹2,304 on 15 Nov 24 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.56 Sharpe Ratio 1.57 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 8.61% Effective Maturity 3 Years 1 Month 20 Days Modified Duration 2 Years 3 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,894 31 Oct 21 ₹11,519 31 Oct 22 ₹11,955 31 Oct 23 ₹12,929 31 Oct 24 ₹13,980 Returns for SBI Credit Risk Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 19 Nov 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 4.2% 1 Year 8% 3 Year 6.7% 5 Year 6.9% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.3% 2022 4.2% 2021 5% 2020 9.8% 2019 6.5% 2018 6.2% 2017 6.9% 2016 10.5% 2015 9.7% 2014 10.6% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 7.75 Yr. Pradeep Kesavan 1 Dec 23 0.92 Yr. Adesh Sharma 1 Dec 23 0.92 Yr. Data below for SBI Credit Risk Fund as on 15 Nov 24
Asset Allocation
Asset Class Value Cash 6.33% Equity 2.7% Debt 90.65% Other 0.32% Debt Sector Allocation
Sector Value Corporate 76.01% Government 14.64% Cash Equivalent 6.33% Credit Quality
Rating Value A 10.8% AA 74.31% AAA 14.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.23% Govt Stock 2039
Sovereign Bonds | -8% ₹196 Cr 19,000,000 Aadhar Housing Finance Limited
Debentures | -5% ₹112 Cr 11,200 Nirma Limited
Debentures | -5% ₹111 Cr 11,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹109 Cr 11,000 Infopark Properties Ltd.
Debentures | -5% ₹105 Cr 10,500 Jindal Stainless Limited
Debentures | -4% ₹87 Cr 900 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹87 Cr 8,500,000 Century Textiles And Industried Limited
Debentures | -4% ₹85 Cr 8,500 Sandur Manganese And Iron Ores Limited (The)
Debentures | -4% ₹84 Cr 8,500
↑ 8,500 Avanse Financial Services Ltd.
Debentures | -3% ₹80 Cr 8,000 6. Nippon India Money Market Fund
CAGR/Annualized
return of 7.3% since its launch. Ranked 27 in Money Market
category. Return for 2023 was 7.4% , 2022 was 5% and 2021 was 3.8% . Nippon India Money Market Fund
Growth Launch Date 16 Jun 05 NAV (19 Nov 24) ₹3,959.39 ↑ 0.77 (0.02 %) Net Assets (Cr) ₹19,105 on 31 Oct 24 Category Debt - Money Market AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.37 Sharpe Ratio 2.89 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.46% Effective Maturity 5 Months 30 Days Modified Duration 5 Months 17 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,629 31 Oct 21 ₹11,026 31 Oct 22 ₹11,520 31 Oct 23 ₹12,372 31 Oct 24 ₹13,329 Returns for Nippon India Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 19 Nov 24 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.8% 1 Year 7.8% 3 Year 6.6% 5 Year 5.9% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 5% 2021 3.8% 2020 6% 2019 8.1% 2018 7.9% 2017 6.6% 2016 7.6% 2015 8.3% 2014 9.1% Fund Manager information for Nippon India Money Market Fund
Name Since Tenure Kinjal Desai 16 Jul 18 6.3 Yr. Vikash Agarwal 14 Sep 24 0.13 Yr. Data below for Nippon India Money Market Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 90.15% Debt 9.63% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 90.15% Government 9.63% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 12122024
Sovereign Bonds | -2% ₹323 Cr 32,500,000
↓ -5,000,000 07.38% MP Sdl 2025
Sovereign Bonds | -1% ₹276 Cr 27,500,000 08.10 JH Sdl 2025
Sovereign Bonds | -1% ₹251 Cr 25,000,000 182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -1% ₹211 Cr 21,500,000
↑ 21,500,000 182 DTB 05122024
Sovereign Bonds | -1% ₹199 Cr 20,000,000 182 DTB 27022025
Sovereign Bonds | -1% ₹147 Cr 15,000,000
↑ 15,000,000 182 DTB 18102024
Sovereign Bonds | -1% ₹147 Cr 15,000,000 India (Republic of)
- | -1% ₹146 Cr 15,000,000 364 DTB 13022025
Sovereign Bonds | -1% ₹108 Cr 11,000,000
↑ 1,000,000 08.06 AP Sdl 2025
Sovereign Bonds | -1% ₹100 Cr 10,000,000 7. Aditya Birla Sun Life Floating Rate Fund - Long Term
CAGR/Annualized
return of 8% since its launch. Ranked 14 in Floating Rate
category. Return for 2023 was 7.5% , 2022 was 4.8% and 2021 was 3.6% . Aditya Birla Sun Life Floating Rate Fund - Long Term
Growth Launch Date 25 Mar 09 NAV (19 Nov 24) ₹331.448 ↑ 0.05 (0.02 %) Net Assets (Cr) ₹13,142 on 31 Oct 24 Category Debt - Floating Rate AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.46 Sharpe Ratio 2.95 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.66% Effective Maturity 2 Years 4 Months 2 Days Modified Duration 1 Year 2 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,850 31 Oct 21 ₹11,306 31 Oct 22 ₹11,776 31 Oct 23 ₹12,651 31 Oct 24 ₹13,662 Returns for Aditya Birla Sun Life Floating Rate Fund - Long Term
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 19 Nov 24 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 4.1% 1 Year 8% 3 Year 6.6% 5 Year 6.4% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.5% 2022 4.8% 2021 3.6% 2020 8.6% 2019 8.6% 2018 7.5% 2017 6.9% 2016 9.5% 2015 8.9% 2014 9.6% Fund Manager information for Aditya Birla Sun Life Floating Rate Fund - Long Term
Name Since Tenure Kaustubh Gupta 20 Jun 14 10.37 Yr. Harshil Suvarnkar 22 Mar 21 3.62 Yr. Dhaval Joshi 21 Nov 22 1.95 Yr. Data below for Aditya Birla Sun Life Floating Rate Fund - Long Term as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 9.46% Debt 90.28% Other 0.26% Debt Sector Allocation
Sector Value Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.93% Govt Stock 2033
Sovereign Bonds | -8% ₹1,081 Cr 105,000,000 LIC Housing Finance Ltd
Debentures | -3% ₹415 Cr 4,250 National Bank For Agriculture And Rural Development
Debentures | -3% ₹409 Cr 4,150 Hdb Financial Services Limited
Debentures | -2% ₹300 Cr 30,000 Bajaj Housing Finance Limited
Debentures | -2% ₹257 Cr 25,500 ICICI Home Finance Limited
Debentures | -2% ₹250 Cr 25,000 Rural Electrification Corporation Limited
Debentures | -2% ₹250 Cr 25,000 Rural Electrification Corporation Limited
Debentures | -2% ₹225 Cr 22,500 Axis Bank Ltd.
Debentures | -2% ₹216 Cr 4,500
↑ 4,500 HDB Financial Services Ltd. 8.04%
Debentures | -2% ₹200 Cr 2,000 8. UTI Money Market Fund
CAGR/Annualized
return of 7.3% since its launch. Ranked 23 in Money Market
category. Return for 2023 was 7.4% , 2022 was 4.9% and 2021 was 3.7% . UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (19 Nov 24) ₹2,940.8 ↑ 0.55 (0.02 %) Net Assets (Cr) ₹16,113 on 31 Oct 24 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.27 Sharpe Ratio 3.17 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.43% Effective Maturity 5 Months 5 Days Modified Duration 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,634 31 Oct 21 ₹11,029 31 Oct 22 ₹11,511 31 Oct 23 ₹12,370 31 Oct 24 ₹13,324 Returns for UTI Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 19 Nov 24 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.8% 1 Year 7.8% 3 Year 6.6% 5 Year 5.9% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 4.9% 2021 3.7% 2020 6% 2019 8% 2018 7.8% 2017 6.7% 2016 7.7% 2015 8.4% 2014 9.1% Fund Manager information for UTI Money Market Fund
Name Since Tenure Anurag Mittal 1 Dec 21 2.92 Yr. Amit Sharma 7 Jul 17 7.33 Yr. Data below for UTI Money Market Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 90.48% Debt 9.29% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 90.48% Government 9.29% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 18102024
Sovereign Bonds | -6% ₹1,012 Cr 10,350,000,000
↑ 5,350,000,000 182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -2% ₹294 Cr 3,000,000,000
↑ 3,000,000,000 182 DTB 07112024
Sovereign Bonds | -1% ₹200 Cr 2,000,000,000 08.09 Ts SDL 2025
Sovereign Bonds | -1% ₹135 Cr 1,350,000,000 08.08 CG Sdl 2025
Sovereign Bonds | -1% ₹100 Cr 1,000,000,000 7.52% GJ Sdl 08/03/2025
Sovereign Bonds | -1% ₹100 Cr 1,000,000,000 08.09 Uk SDL 2025
Sovereign Bonds | -0% ₹50 Cr 500,000,000 182 DTB 12122024
Sovereign Bonds | -0% ₹50 Cr 500,000,000
↓ -3,000,000,000 08.07 GJ Sdl 2025
Sovereign Bonds | -0% ₹45 Cr 450,000,000 CORPORATE DEBT MARKET DEVT FUND - A2 UNITS
Investment Fund | -0% ₹37 Cr 35,515
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