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ಫಿನ್ಕಾಶ್ »ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು »FD Vs ಸಾಲ ನಿಧಿ

FD Vs ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್

Updated on November 4, 2024 , 7504 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:

FD-Vs-Debt-Fund

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)

Last-1-Year-Return(%)-of-Long-Term-Income-Funds

Last-1-Year-Returns-of-Long-term-Gilt-Funds

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 (06 Nov 24) ₹36.816 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹1,921 on 30 Sep 24
Category Debt - Medium term Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.55
Sharpe Ratio 1.55
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.

DateValue
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

Aditya Birla Sun Life Medium Term Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201
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 6 Nov 24

DurationReturns
1 Month 2.3%
3 Month 3.7%
6 Month 6.7%
1 Year 10.8%
3 Year 13.7%
5 Year 9.8%
10 Year
15 Year
Since launch 8.7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sunaina Cunha1 Sep 1410.09 Yr.
Mohit Sharma6 Aug 204.15 Yr.
Dhaval Joshi21 Nov 221.86 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 30 Sep 24

Asset Allocation
Asset ClassValue
Cash7.65%
Equity3.26%
Debt87.69%
Other1.4%
Debt Sector Allocation
SectorValue
Government49%
Corporate37.88%
Cash Equivalent7.65%
Securitized0.81%
Credit Quality
RatingValue
A2.58%
AA33.14%
AAA64.28%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
07.18 Goi 2033
Sovereign Bonds | -
29%₹550 Cr53,500,000
↓ -500,000
7.26% Govt Stock 2033
Sovereign Bonds | -
11%₹206 Cr20,000,000
07.18 Goi 2028
Sovereign Bonds | -
6%₹108 Cr10,500,000
Adani Airport Holdings Ltd. 9.35%
Debentures | -
3%₹52 Cr5,300
↑ 5,300
Creditaccess Grameen Limited
Debentures | -
3%₹50 Cr500,000
JSW Steel Limited
Debentures | -
3%₹50 Cr500
Belstar Microfinance Limited
Debentures | -
3%₹50 Cr5,000
Piramal Capital & Housing Finance Limited
Debentures | -
2%₹48 Cr4,800
Hinduja Housing Finance Limited 8.85%
Debentures | -
2%₹46 Cr4,600
JM Financial Products Limited
Debentures | -
2%₹40 Cr4,000

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 (06 Nov 24) ₹43.8856 ↓ 0.00   (0.00 %)
Net Assets (Cr) ₹1,693 on 15 Oct 24
Category Debt - Dynamic Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.21
Sharpe Ratio 1.22
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.

DateValue
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

Aditya Birla Sun Life Dynamic Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 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 6 Nov 24

DurationReturns
1 Month 0.5%
3 Month 2.1%
6 Month 5.2%
1 Year 9.5%
3 Year 7.1%
5 Year 6.2%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Mohit Sharma22 Mar 213.53 Yr.
Bhupesh Bameta6 Aug 204.15 Yr.
Dhaval Joshi21 Nov 221.86 Yr.

Data below for Aditya Birla Sun Life Dynamic Bond Fund as on 15 Oct 24

Asset Allocation
Asset ClassValue
Cash2.46%
Debt97.27%
Other0.27%
Debt Sector Allocation
SectorValue
Government81.03%
Corporate16.24%
Cash Equivalent2.46%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
07.18 Goi 2028
Sovereign Bonds | -
35%₹588 Cr57,000,000
↓ -4,500,000
7.3% Govt Stock 2053
Sovereign Bonds | -
15%₹247 Cr23,500,000
07.23 Goi 2064
Sovereign Bonds | -
13%₹213 Cr20,500,000
↓ -2,500,000
07.18 Goi 2033
Sovereign Bonds | -
10%₹175 Cr17,000,000
↓ -17,500,000
Cholamandalam Investment And Finance Company Limited
Debentures | -
5%₹80 Cr8,000
↑ 8,000
State Bank Of India
Debentures | -
4%₹75 Cr75
↑ 75
7.25% Govt Stock 2063
Sovereign Bonds | -
3%₹52 Cr5,000,000
Bajaj Finance Ltd. 7.93%
Debentures | -
3%₹50 Cr5,000
↑ 5,000
Adani Airport Holdings Ltd. 9.35%
Debentures | -
3%₹45 Cr4,500
↑ 4,500
7.1% Govt Stock 2034
Sovereign Bonds | -
2%₹37 Cr3,590,200
↑ 3,590,200

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 (06 Nov 24) ₹30.1051 ↓ -0.01   (-0.04 %)
Net Assets (Cr) ₹6,428 on 15 Oct 24
Category Debt - Credit Risk
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.54
Sharpe Ratio 2.08
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 8.6%
Effective Maturity 2 Years 2 Months 8 Days
Modified Duration 1 Year 8 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
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

ICICI Prudential Regular Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 6 Nov 24

DurationReturns
1 Month 0.7%
3 Month 2.2%
6 Month 5%
1 Year 8.9%
3 Year 6.9%
5 Year 7.5%
10 Year
15 Year
Since launch 8.2%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Manish Banthia7 Nov 167.9 Yr.
Akhil Kakkar22 Jan 240.69 Yr.

Data below for ICICI Prudential Regular Savings Fund as on 15 Oct 24

Asset Allocation
Asset ClassValue
Cash15.07%
Equity1.88%
Debt82.74%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate74.37%
Government10.48%
Cash Equivalent7.42%
Securitized5.54%
Credit Quality
RatingValue
A12.92%
AA57.63%
AAA29.45%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Embassy Office Parks Reit
Unlisted bonds | -
5%₹302 Cr7,756,117
Varroc Engineering Limited
Debentures | -
4%₹248 Cr25,000
7.10%Goi 08/04/2034
Sovereign Bonds | -
4%₹244 Cr23,795,630
Millennia Realtors Private Limited
Debentures | -
3%₹210 Cr2,100
07.18 Goi 14082033
Sovereign Bonds | -
3%₹186 Cr18,130,230
↓ -17,500,000
Aadhar Housing Finance Ltd
Debentures | -
3%₹175 Cr17,500
7.17% Govt Stock 2030
Sovereign Bonds | -
2%₹153 Cr15,000,000
↑ 15,000,000
Nirma Limited
Debentures | -
2%₹151 Cr15,000
Kalpataru Projects International Limited
Debentures | -
2%₹150 Cr15,000
Dlf Home Developers Limited
Debentures | -
2%₹150 Cr15,000

4. 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 (06 Nov 24) ₹63.0635 ↓ -0.02   (-0.04 %)
Net Assets (Cr) ₹10,626 on 15 Oct 24
Category Debt - Government Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 0.94
Sharpe Ratio 1.53
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.96%
Effective Maturity 23 Years 5 Months 12 Days
Modified Duration 9 Years 6 Months 22 Days

Growth of 10,000 investment over the years.

DateValue
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

SBI Magnum Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 6 Nov 24

DurationReturns
1 Month 0.4%
3 Month 1.8%
6 Month 5%
1 Year 9.8%
3 Year 6.9%
5 Year 7.2%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Rajeev Radhakrishnan1 Nov 230.92 Yr.
Tejas Soman1 Dec 230.84 Yr.

Data below for SBI Magnum Gilt Fund as on 15 Oct 24

Asset Allocation
Asset ClassValue
Cash5.4%
Debt94.6%
Debt Sector Allocation
SectorValue
Government94.6%
Cash Equivalent5.4%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
37%₹3,823 Cr362,000,000
↑ 100,000,000
7.10%Goi 08/04/2034
Sovereign Bonds | -
35%₹3,612 Cr352,614,100
↓ -169,006,500
7.23% Goi 15/04/2039
Sovereign Bonds | -
10%₹1,066 Cr102,500,000
↑ 102,500,000
7.30 Goi 19062053
Sovereign Bonds | -
9%₹925 Cr88,000,000
Govt Stock 22092033
Sovereign Bonds | -
2%₹241 Cr23,500,000
7.25% Govt Stock 2063
Sovereign Bonds | -
2%₹193 Cr18,500,000
Net Receivable / Payable
CBLO | -
3%₹283 Cr
Treps
CBLO/Reverse Repo | -
3%₹280 Cr

5. 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 (06 Nov 24) ₹43.1478 ↑ 0.01   (0.01 %)
Net Assets (Cr) ₹2,338 on 15 Oct 24
Category Debt - Credit Risk
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.56
Sharpe Ratio 1.04
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 8.56%
Effective Maturity 3 Years 1 Month 20 Days
Modified Duration 2 Years 2 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
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

SBI Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 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 6 Nov 24

DurationReturns
1 Month 0.7%
3 Month 1.8%
6 Month 4.2%
1 Year 8.1%
3 Year 6.7%
5 Year 6.9%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Lokesh Mallya1 Feb 177.67 Yr.
Pradeep Kesavan1 Dec 230.84 Yr.
Adesh Sharma1 Dec 230.84 Yr.

Data below for SBI Credit Risk Fund as on 15 Oct 24

Asset Allocation
Asset ClassValue
Cash5.57%
Equity2.59%
Debt91.52%
Other0.31%
Debt Sector Allocation
SectorValue
Corporate77%
Government14.52%
Cash Equivalent5.57%
Credit Quality
RatingValue
A11.14%
AA65.42%
AAA23.44%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.23% Goi 15/04/2039
Sovereign Bonds | -
8%₹198 Cr19,000,000
↑ 19,000,000
Aadhar Housing Finance Limited
Debentures | -
5%₹112 Cr11,200
Nirma Limited
Debentures | -
5%₹111 Cr11,000
Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -
5%₹109 Cr11,000
Infopark Properties Ltd.
Debentures | -
4%₹105 Cr10,500
Jindal Stainless Limited
Debentures | -
4%₹87 Cr900
7.10%Goi 08/04/2034
Sovereign Bonds | -
4%₹87 Cr8,500,000
↓ -25,000,000
Century Textiles And Industried Limited
Debentures | -
4%₹85 Cr8,500
↑ 8,500
Avanse Financial Services Ltd.
Debentures | -
3%₹80 Cr8,000
Renserv Global Pvt Ltd.
Debentures | -
3%₹80 Cr8,000

6. SBI Dynamic Bond Fund

To actively manage a portfolio of good quality debt as well as Money Market Instruments so as to provide reasonable returns and liquidity to the Unit holders.

SBI Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 9 Feb 04. It is a fund with Moderate risk and has given a CAGR/Annualized return of since its launch.  Ranked 5 in Dynamic Bond category.  Return for 2023 was 7.1% , 2022 was 4.2% and 2021 was 2% .

Below is the key information for SBI Dynamic Bond Fund

SBI Dynamic Bond Fund
Growth
Launch Date 9 Feb 04
NAV (06 Nov 24) ₹34.0775 ↓ -0.01   (-0.02 %)
Net Assets (Cr) ₹3,282 on 15 Oct 24
Category Debt - Dynamic Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.48
Sharpe Ratio 1.23
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity 7.08%
Effective Maturity 20 Years 4 Months 28 Days
Modified Duration 8 Years 9 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹11,121
31 Oct 21₹11,356
31 Oct 22₹11,718
31 Oct 23₹12,535
31 Oct 24₹13,739

SBI Dynamic Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 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 6 Nov 24

DurationReturns
1 Month 0.4%
3 Month 1.9%
6 Month 4.9%
1 Year 9.3%
3 Year 6.6%
5 Year 6.6%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.1%
2022 4.2%
2021 2%
2020 10.4%
2019 12.7%
2018 5.1%
2017 3.9%
2016 15.3%
2015 5.8%
2014 12.8%
Fund Manager information for SBI Dynamic Bond Fund
NameSinceTenure
Rajeev Radhakrishnan1 Nov 230.92 Yr.
Tejas Soman31 Dec 230.75 Yr.
Pradeep Kesavan31 Dec 230.75 Yr.

Data below for SBI Dynamic Bond Fund as on 15 Oct 24

Asset Allocation
Asset ClassValue
Cash3.3%
Debt96.45%
Other0.25%
Debt Sector Allocation
SectorValue
Government85.2%
Corporate11.25%
Cash Equivalent3.3%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.10%Goi 08/04/2034
Sovereign Bonds | -
23%₹742 Cr72,466,100
↑ 500,000
7.34% Govt Stock 2064
Sovereign Bonds | -
17%₹565 Cr53,500,000
7.25% Govt Stock 2063
Sovereign Bonds | -
14%₹450 Cr43,138,000
07.18 Goi 24072037
Sovereign Bonds | -
9%₹299 Cr29,000,000
↓ -3,000,000
7.30 Goi 19062053
Sovereign Bonds | -
8%₹263 Cr25,000,000
Highways Infrastructure Trust
Debentures | -
5%₹164 Cr16,250
National Bank For Financing Infrastructure And Development
Debentures | -
5%₹152 Cr15,000
Bajaj Finance Ltd.
Debentures | -
5%₹151 Cr15,000
↑ 15,000
Power Grid Corporation Of India Limited
Debentures | -
4%₹131 Cr13,000
↑ 13,000
National Bank For Financing Infrastructure And Development
Debentures | -
3%₹102 Cr10,000

7. Nippon India Credit Risk Fund

(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.

Nippon India Credit Risk Fund is a Debt - Credit Risk fund was launched on 8 Jun 05. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.3% since its launch.  Ranked 21 in Credit Risk category.  Return for 2023 was 7.9% , 2022 was 3.9% and 2021 was 13.5% .

Below is the key information for Nippon India Credit Risk Fund

Nippon India Credit Risk Fund
Growth
Launch Date 8 Jun 05
NAV (06 Nov 24) ₹32.9645 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹1,020 on 30 Sep 24
Category Debt - Credit Risk
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 1.63
Sharpe Ratio 2.29
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 8.72%
Effective Maturity 2 Years 7 Months 20 Days
Modified Duration 2 Years 2 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹9,253
31 Oct 21₹10,564
31 Oct 22₹10,970
31 Oct 23₹11,829
31 Oct 24₹12,803

Nippon India Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Nippon India 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 6 Nov 24

DurationReturns
1 Month 0.7%
3 Month 2.1%
6 Month 4.2%
1 Year 8.2%
3 Year 6.6%
5 Year 5.1%
10 Year
15 Year
Since launch 6.3%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.9%
2022 3.9%
2021 13.5%
2020 -5.9%
2019 1.9%
2018 6.1%
2017 7%
2016 10%
2015 8.8%
2014 11%
Fund Manager information for Nippon India Credit Risk Fund
NameSinceTenure
Kinjal Desai25 May 186.36 Yr.
Sushil Budhia1 Feb 204.67 Yr.

Data below for Nippon India Credit Risk Fund as on 30 Sep 24

Asset Allocation
Asset ClassValue
Cash13.3%
Debt86.44%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate71.4%
Government15.04%
Cash Equivalent13.3%
Credit Quality
RatingValue
A18.33%
AA50.19%
AAA31.48%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
07.32 Goi 2030
Sovereign Bonds | -
7%₹72 Cr7,000,000
Summit Digitel Infrastructure Limited
Debentures | -
6%₹61 Cr620
7.10% Govt Stock 18042028
Sovereign Bonds | -
5%₹51 Cr5,000,000
Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -
5%₹49 Cr5,000
Century Textiles And Industries Limited
Debentures | -
4%₹45 Cr4,500
↑ 500
Shriram Housing Finance Limited 9.25%
Debentures | -
4%₹40 Cr4,000
DLF Cyber City Developers Limited 8.4%
Debentures | -
4%₹40 Cr4,000
Prestige Projects Private Limited 11.75%
Debentures | -
4%₹40 Cr4,000
Piramal Capital & Housing Finance Limited
Debentures | -
4%₹36 Cr485,063
Delhi International Airport Limited
Debentures | -
3%₹35 Cr3,500

8. Nippon India Money Market Fund

(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 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% .

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund
Growth
Launch Date 16 Jun 05
NAV (06 Nov 24) ₹3,949.47 ↑ 0.74   (0.02 %)
Net Assets (Cr) ₹15,623 on 30 Sep 24
Category Debt - Money Market
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 0.37
Sharpe Ratio 2.5
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.53%
Effective Maturity 6 Months 18 Days
Modified Duration 6 Months 4 Days

Growth of 10,000 investment over the years.

DateValue
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

Nippon India Money Market Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Nippon India Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.7%
1 Year 7.7%
3 Year 6.6%
5 Year 5.9%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Kinjal Desai16 Jul 186.22 Yr.
Vikash Agarwal14 Sep 240.05 Yr.

Data below for Nippon India Money Market Fund as on 30 Sep 24

Asset Allocation
Asset ClassValue
Cash92.32%
Debt7.41%
Other0.27%
Debt Sector Allocation
SectorValue
Cash Equivalent92.32%
Government7.41%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 12122024
Sovereign Bonds | -
2%₹370 Cr37,500,000
07.38% MP Sdl 2025
Sovereign Bonds | -
2%₹276 Cr27,500,000
08.10 JH Sdl 2025
Sovereign Bonds | -
2%₹252 Cr25,000,000
364 DTB 14112024
Sovereign Bonds | -
1%₹198 Cr20,000,000
182 DTB 05122024
Sovereign Bonds | -
1%₹198 Cr20,000,000
India (Republic of)
- | -
1%₹146 Cr15,000,000
08.06 AP Sdl 2025
Sovereign Bonds | -
1%₹100 Cr10,000,000
08.09 Ts SDL 2025
Sovereign Bonds | -
1%₹100 Cr10,000,000
182 DTB 14112024
Sovereign Bonds | -
1%₹99 Cr10,000,000
364 DTB 13022025
Sovereign Bonds | -
1%₹98 Cr10,000,000

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.
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