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ಸಾಲ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗೆ ಒಟ್ಟು ಮೊತ್ತ ಏಕೆ?
ಸಾಲ ನಿಧಿಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ: ಮೌಲ್ಯಮಾಪನ ಮಾಡಿ
ಟಾಪ್ 10 ಅತ್ಯುತ್ತಮ ಮೊತ್ತದ ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ 2020 - 2021
ಒಟ್ಟು ಮೊತ್ತ ಸಾಲ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?
Top 6 Funds

ನಿಮ್ಮ ಒಟ್ಟು ಮೊತ್ತದ ಹೂಡಿಕೆಗಾಗಿ ಸಾಲ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು

Updated on December 22, 2024 , 2082 views

ಸಾಮಾನ್ಯವಾಗಿ, ಯಾರಾದರೂ ಬಯಸಿದಾಗಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ, ಅವರು ತೆಗೆದುಕೊಳ್ಳಬೇಕಾದರೆ ಅವರು ಗೊಂದಲಕ್ಕೊಳಗಾಗುತ್ತಾರೆಎಸ್‌ಐಪಿ ಮಾರ್ಗ ಅಥವಾ ಒಂದು ದೊಡ್ಡ ಮೊತ್ತ. ನಿಮಗಾಗಿ ಅದನ್ನು ಸರಳಗೊಳಿಸೋಣ! ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಯೋಜಿಸುತ್ತಿರುವ ಹೂಡಿಕೆದಾರರು ಒಂದು-ಬಾರಿ ಪಾವತಿ ಮೋಡ್ ಅನ್ನು ಆದರ್ಶವಾಗಿ ಆರಿಸಬೇಕು, ಅದು ಹೂಡಿಕೆಯ ಒಟ್ಟು ಮೊತ್ತವಾಗಿದೆ. ಕಡಿಮೆ ಅವಧಿಗೆ ಸುಲಭವಾಗಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಯಾವಾಗಲೂ ಬುದ್ಧಿವಂತದ್ರವ್ಯತೆ.

ಸಾಲ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗೆ ಒಟ್ಟು ಮೊತ್ತ ಏಕೆ?

ಒಂದು ದೊಡ್ಡ ಮೊತ್ತದ ಹೂಡಿಕೆಗೆ, ಸಾಲ ನಿಧಿಗಳು ಹೋಲಿಸಿದರೆ ಉತ್ತಮ ಆಯ್ಕೆಯಾಗಿದೆಇಕ್ವಿಟಿ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು. ಒಂದು ದೊಡ್ಡ ಮೊತ್ತದ ಮಾರ್ಗವು ಬಡ್ಡಿದರದಲ್ಲಿನ ಬದಲಾವಣೆಯ ಅಪಾಯವನ್ನು ಕಡಿಮೆ ಮಾಡುತ್ತದೆ ಮತ್ತು ಸ್ಥಿರ ಠೇವಣಿಗಳಿಗೆ (ಎಫ್‌ಡಿ) ಹೋಲಿಸಿದರೆ ಉತ್ತಮ ಲಾಭವನ್ನು ನೀಡುತ್ತದೆ. ತಾತ್ತ್ವಿಕವಾಗಿ, ನೀವು ಒಟ್ಟು ಮೊತ್ತದ ಮಾರ್ಗವನ್ನು ತೆಗೆದುಕೊಳ್ಳುವ ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದಾಗ, ಅದು ಎರಡು ಸಮಸ್ಯೆಗಳನ್ನು ಪರಿಹರಿಸುತ್ತದೆ- ಒಂದು ತೆರಿಗೆ ಪ್ರಯೋಜನಗಳು ಮತ್ತು ಇನ್ನೊಂದು ಮರು-ಹೂಡಿಕೆಯ ಅಪಾಯ.

ಏರುತ್ತಿರುವ ಬಡ್ಡಿದರಗಳ ಸಮಯದಲ್ಲಿ, ಉತ್ತಮ-ಗುಣಮಟ್ಟದ ಬಂಡವಾಳದೊಂದಿಗೆ ಸಾಲ ಆಧಾರಿತ ನಿಧಿಗಳಲ್ಲಿ ಒಂದು ದೊಡ್ಡ ಮೊತ್ತದ ಮಾರ್ಗವನ್ನು ತೆಗೆದುಕೊಳ್ಳಲು ಇದು ಉತ್ತಮ ಸಮಯಬಾಂಡ್‌ಗಳು. ಐಡಲ್ ಉಳಿತಾಯ ಹೊಂದಿರುವ ಮತ್ತು ಸೂಕ್ತವಾದ ಆದಾಯಕ್ಕಾಗಿ ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುವ ಜನರಿಗೆ ಈ ನಿಧಿಗಳು ಸಾಮಾನ್ಯವಾಗಿ ಸೂಕ್ತವಾಗಿರುತ್ತದೆ. ಯಾವುದೇ ಮೊತ್ತದ ಒಟ್ಟು ಪಾವತಿಗಳನ್ನು ಎಮ್ಯೂಚುಯಲ್ ಫಂಡ್.

ವ್ಯವಸ್ಥಿತಕ್ಕೆ ಹೋಲಿಸಿದರೆ ಒಂದು ದೊಡ್ಡ ಮೊತ್ತದ ಹೂಡಿಕೆ ಉತ್ತಮವಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತದೆಹೂಡಿಕೆ ಯೋಜನೆ- ಮಾರುಕಟ್ಟೆ ಕುಸಿತದ ಸಮಯದಲ್ಲಿ ಅಥವಾ ಕಡಿಮೆ ಮೌಲ್ಯಮಾಪನಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದರೆ ಮಾತ್ರ. ಆದಾಗ್ಯೂ, ಒಟ್ಟು ಮೊತ್ತಹೂಡಿಕೆ ಮಾರುಕಟ್ಟೆ ಮೌಲ್ಯಮಾಪನಗಳನ್ನು ವಿಸ್ತರಿಸಿದಾಗ ಅಥವಾ ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಆರಂಭಿಕ ಹಂತದಲ್ಲಿ ಮಾರುಕಟ್ಟೆಗಳು ತೀವ್ರವಾಗಿ ಸರಿಪಡಿಸಿದಾಗ ಒಬ್ಬರು ಹೆಚ್ಚು ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದರೆ ಅದು ಕಾರ್ಯನಿರ್ವಹಿಸುವುದಿಲ್ಲ.

ಸಾಲ ನಿಧಿಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ: ಮೌಲ್ಯಮಾಪನ ಮಾಡಿ

ಫಂಡ್ ರಿಟರ್ನ್ಸ್- ಆಹಾರವು ಉತ್ತಮ ದಾಖಲೆಯನ್ನು ಹೊಂದಿರಬೇಕು. ಸ್ಥಿರವಾದ ಕಾರ್ಯಕ್ಷಮತೆಯನ್ನು ನೀಡುವ ಪ್ರಬಲ ಇತಿಹಾಸವನ್ನು ಹೊಂದಿರುವ ಫಂಡ್ ಹೌಸ್ಗಾಗಿ ಹೋಗಿ. ನಿಧಿಯ ಹಿಂದಿನ 1, 3 ಮತ್ತು 5 ವರ್ಷಗಳ ಲಾಭವನ್ನು ಪರಿಶೀಲಿಸಿ ಮತ್ತು ಅದರ ಮಾನದಂಡವನ್ನು ಸೋಲಿಸಲು ಸಾಧ್ಯವಿದೆಯೇ ಅಥವಾ ಇಲ್ಲವೇ ಎಂಬುದನ್ನು ಪರಿಶೀಲಿಸಿ.

ಪಂದ್ಯದ ಸಮಯ ಹರೈಸನ್ಸ್- ಸಾಲ ನಿಧಿಗಳು ಆಯಾ ಮುಕ್ತಾಯದ ಅವಧಿಯೊಂದಿಗೆ ಹೂಡಿಕೆಯ ವಿವಿಧ ಆಯ್ಕೆಗಳನ್ನು ನೀಡುತ್ತವೆ. ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಮುಕ್ತಾಯ ಅವಧಿಯನ್ನು ಆಧರಿಸಿ ಹೂಡಿಕೆಯನ್ನು ನಿರ್ಧರಿಸಬೇಕು, ಆದರೆ ಅವರು ಇತರರೊಂದಿಗೆ ಹೋಲಿಸಬಹುದುಸಾಲ ನಿಧಿ ಉಪಕರಣಗಳು ಮತ್ತು ಅವರ ಯೋಜನೆಗೆ ಸೂಕ್ತವಾದದನ್ನು ಆರಿಸಿ. ಉದಾಹರಣೆಗೆ, ನೀವು ಒಂದು ವರ್ಷದ ಹೂಡಿಕೆ ಯೋಜನೆಯ ಸಮಯದ ಚೌಕಟ್ಟನ್ನು ನೋಡುತ್ತಿದ್ದರೆ, ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಯು ಸೂಕ್ತವಾಗಿ ಹೊಂದಿಕೊಳ್ಳುತ್ತದೆ.

ವೆಚ್ಚ ಅನುಪಾತ- ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ ಪರಿಗಣಿಸಬೇಕಾದ ಪ್ರಮುಖ ಅಂಶವೆಂದರೆ ಅದರ ವೆಚ್ಚ ಅನುಪಾತ. ಹೆಚ್ಚಿನ ಖರ್ಚು ಅನುಪಾತವು ನಿಧಿಗಳ ಕಾರ್ಯಕ್ಷಮತೆಯ ಮೇಲೆ ದೊಡ್ಡ ಪರಿಣಾಮವನ್ನು ಉಂಟುಮಾಡುತ್ತದೆ. ಉದಾಹರಣೆಗೆ,ದ್ರವ ನಿಧಿಗಳು 50 ಬಿಪಿಎಸ್ ವರೆಗಿನ ಕಡಿಮೆ ಖರ್ಚಿನ ಅನುಪಾತಗಳನ್ನು ಹೊಂದಿರಿ (ಬಿಪಿಎಸ್ ಬಡ್ಡಿದರಗಳನ್ನು ಅಳೆಯುವ ಒಂದು ಘಟಕವಾಗಿದ್ದು, ಇದರಲ್ಲಿ ಒಂದು ಬಿಪಿಎಸ್ 1% ನ 1/100 ಕ್ಕೆ ಸಮನಾಗಿರುತ್ತದೆ) ಆದರೆ, ಇತರ ಸಾಲ ನಿಧಿಗಳು 150 ಬಿಪಿಎಸ್ ವರೆಗೆ ಶುಲ್ಕ ವಿಧಿಸಬಹುದು. ಆದ್ದರಿಂದ ಒಂದು ಸಾಲ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ನಡುವೆ ಆಯ್ಕೆ ಮಾಡಲು, ನಿರ್ವಹಣಾ ಶುಲ್ಕ ಅಥವಾ ಫಂಡ್ ಚಾಲನೆಯಲ್ಲಿರುವ ವೆಚ್ಚವನ್ನು ಪರಿಗಣಿಸುವುದು ಮುಖ್ಯ.

ಟಾಪ್ 10 ಅತ್ಯುತ್ತಮ ಮೊತ್ತದ ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ 2020 - 2021

ಕೆಳಗಿನ ಉನ್ನತ ಶ್ರೇಣಿಯ ನಿಧಿಗಳುಸಾಲ ವರ್ಗಗಳು ಪ್ರಾಥಮಿಕವಾಗಿ ಹಣವನ್ನು ಹೊಂದಿವೆAUM> 2000 ಕೋಟಿ ಮತ್ತು ಅಲ್ಟ್ರಾ-ಶಾರ್ಟ್, ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್, ಕ್ರೆಡಿಟ್ ರಿಸ್ಕ್, ಕಡಿಮೆ ಅವಧಿಯ ಉಪ ವಿಭಾಗಗಳಲ್ಲಿವೆ.

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
HDFC Corporate Bond Fund Growth	₹31.1043 ↓ -0.01	₹32,841	5,000	1.6	4.2	8.6	6.3	7.2	7.39%	3Y 10M 21D	6Y 17D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹107.877 ↓ -0.02	₹23,775	1,000	1.6	4.2	8.6	6.6	7.3	7.46%	3Y 10M 2D	5Y 7M 20D
Aditya Birla Sun Life Savings Fund Growth	₹526.333 ↑ 0.00	₹15,890	1,000	1.9	3.8	7.8	6.6	7.2	7.61%	5M 8D	7M 17D
Nippon India Prime Debt Fund Growth	₹57.1852 ↓ -0.01	₹6,755	1,000	1.6	4.2	8.4	6.6	7.1	7.42%	3Y 10M 13D	5Y 1M 13D
Kotak Corporate Bond Fund Standard Growth	₹3,599.44 ↑ 0.16	₹14,333	5,000	1.6	4.1	8.3	6.2	6.9	7.49%	3Y 3M 22D	5Y 29D
HDFC Credit Risk Debt Fund Growth	₹23.0209 ↑ 0.01	₹7,404	5,000	1.5	4.2	8.3	6.2	6.6	8.44%	2Y 2M 16D	3Y 2M 2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Dec 24

1. HDFC Corporate Bond Fund

(Erstwhile HDFC Medium Term Opportunities Fund)

To generate regular income through investments in Debt/ Money Market Instruments and Government Securities with maturities not exceeding 60 months.

HDFC Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 29 Jun 10. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.1% since its launch. Ranked 2 in Corporate Bond category. Return for 2023 was 7.2% , 2022 was 3.3% and 2021 was 3.9% .

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (24 Dec 24)	₹31.1043 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹32,841 on 30 Nov 24
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.59
Sharpe Ratio	2.56
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.39%
Effective Maturity	6 Years 17 Days
Modified Duration	3 Years 10 Months 21 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹11,135
30 Nov 21	₹11,621
30 Nov 22	₹11,964
30 Nov 23	₹12,796
30 Nov 24	₹13,909

HDFC Corporate 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 HDFC Corporate 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	0.6%
3 Month	1.6%
6 Month	4.2%
1 Year	8.6%
3 Year	6.3%
5 Year	6.9%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	3.3%
2021	3.9%
2020	11.8%
2019	10.3%
2018	6.5%
2017	6.5%
2016	10.6%
2015	8.6%
2014	10.9%

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	9.1 Yr.
Dhruv Muchhal	22 Jun 23	1.45 Yr.

Data below for HDFC Corporate Bond Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	4.73%
Debt	95.04%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	54.96%
Government	40.09%
Cash Equivalent	4.73%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.23% Govt Stock 2039 Sovereign Bonds \| -	10%	₹3,392 Cr	330,000,000 ↑ 5,000,000
7.93% Govt Stock 2033 Sovereign Bonds \| -	4%	₹1,291 Cr	125,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹997 Cr	100,000,000 ↓ -50,000,000
State Bank Of India Debentures \| -	2%	₹803 Cr	800 ↑ 100
7.53% Govt Stock 2034 Sovereign Bonds \| -	2%	₹760 Cr	75,000,000
Mangalore Refinery And Petrochemicals Limited Debentures \| -	2%	₹558 Cr	5,670
Reliance Industries Limited Debentures \| -	2%	₹527 Cr	5,000
HDFC Bank Limited Debentures \| -	2%	₹510 Cr	50,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹504 Cr	50,000
LIC Housing Finance Limited Debentures \| -	2%	₹500 Cr	5,000

2. Aditya Birla Sun Life Corporate Bond Fund

(Erstwhile Aditya Birla Sun Life Short Term Fund)

An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities.

Aditya Birla Sun Life Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 3 Mar 97. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.9% since its launch. Ranked 1 in Corporate Bond category. Return for 2023 was 7.3% , 2022 was 4.1% and 2021 was 4% .

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

Aditya Birla Sun Life Corporate Bond Fund Growth
Launch Date	3 Mar 97
NAV (24 Dec 24)	₹107.877 ↓ -0.02 (-0.02 %)
Net Assets (Cr)	₹23,775 on 15 Dec 24
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.5
Sharpe Ratio	2.29
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.46%
Effective Maturity	5 Years 7 Months 20 Days
Modified Duration	3 Years 10 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹11,176
30 Nov 21	₹11,659
30 Nov 22	₹12,094
30 Nov 23	₹12,931
30 Nov 24	₹14,073

Aditya Birla Sun Life Corporate 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 Corporate 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	0.7%
3 Month	1.6%
6 Month	4.2%
1 Year	8.6%
3 Year	6.6%
5 Year	7.1%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.3%
2022	4.1%
2021	4%
2020	11.9%
2019	9.6%
2018	7%
2017	6.5%
2016	10.2%
2015	8.9%
2014	10.9%

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	3.64 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	3.72%
Debt	96.05%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	57.12%
Government	38.42%
Cash Equivalent	3.72%
Securitized	0.52%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	11%	₹2,657 Cr	261,000,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	6%	₹1,469 Cr	143,824,100 ↑ 9,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	4%	₹947 Cr	93,161,700 ↑ 6,500,000
Small Industries Development Bank Of India Debentures \| -	3%	₹695 Cr	69,550
7.53% Govt Stock 2034 Sovereign Bonds \| -	3%	₹655 Cr	64,637,700
Small Industries Development Bank Of India Debentures \| -	3%	₹599 Cr	6,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹557 Cr	55,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹488 Cr	48,500
Bajaj Finance Limited Debentures \| -	2%	₹453 Cr	45,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹399 Cr	4,000

3. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2023 was 7.2% , 2022 was 4.8% and 2021 was 3.9% .

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (24 Dec 24)	₹526.333 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹15,890 on 15 Dec 24
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	3.32
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.61%
Effective Maturity	7 Months 17 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,719
30 Nov 21	₹11,139
30 Nov 22	₹11,639
30 Nov 23	₹12,472
30 Nov 24	₹13,436

Aditya Birla Sun Life 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 Aditya Birla Sun Life 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	1.9%
6 Month	3.8%
1 Year	7.8%
3 Year	6.6%
5 Year	6.1%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%
2015	8.9%
2014	9.7%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	10.46 Yr.
Kaustubh Gupta	15 Jul 11	13.39 Yr.
Monika Gandhi	22 Mar 21	3.7 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	44.4%
Debt	55.34%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	53.84%
Cash Equivalent	39.09%
Government	6.82%

Credit Quality

Rating	Value
AA	35.54%
AAA	64.46%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Housing Bank 7.83% Debentures \| -	5%	₹821 Cr	82,000
Aditya BSL Liquid Dir Gr Investment Fund \| -	5%	₹751 Cr	18,413,893 ↑ 18,413,893
Shriram Finance Company Limited Debentures \| -	4%	₹602 Cr	60,000
Nirma Limited Debentures \| -	3%	₹487 Cr	48,500 ↓ -1,500
National Housing Bank Debentures \| -	3%	₹400 Cr	40,000
Tata Realty And Infrastructure Limited Debentures \| -	2%	₹360 Cr	36,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹326 Cr	32,500
Bharti Telecom Limited Debentures \| -	2%	₹325 Cr	3,250
7.3% Govt Stock 2028 Sovereign Bonds \| -	2%	₹317 Cr	31,500,000
Bajaj Housing Finance Ltd. 8% Debentures \| -	2%	₹301 Cr	30,000

4. Nippon India Prime Debt Fund

(Erstwhile Reliance Medium Term Fund)

The primary investment objective of the Scheme is to generate regular income in order to make regular dividend payments to unit-holders and the secondary objective is growth of capital.

Nippon India Prime Debt Fund is a Debt - Corporate Bond fund was launched on 14 Sep 00. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 20 in Corporate Bond category. Return for 2023 was 7.1% , 2022 was 4.3% and 2021 was 4.7% .

Below is the key information for Nippon India Prime Debt Fund

Nippon India Prime Debt Fund Growth
Launch Date	14 Sep 00
NAV (24 Dec 24)	₹57.1852 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹6,755 on 30 Nov 24
Category	Debt - Corporate Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.69
Sharpe Ratio	2.24
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.42%
Effective Maturity	5 Years 1 Month 13 Days
Modified Duration	3 Years 10 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,973
30 Nov 21	₹11,501
30 Nov 22	₹11,974
30 Nov 23	₹12,796
30 Nov 24	₹13,914

Nippon India Prime Debt 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 Nippon India Prime Debt 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	4.2%
1 Year	8.4%
3 Year	6.6%
5 Year	6.8%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.1%
2022	4.3%
2021	4.7%
2020	9.5%
2019	7.8%
2018	6.9%
2017	6.6%
2016	9.1%
2015	8.7%
2014	9.3%

Fund Manager information for Nippon India Prime Debt Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	4.84 Yr.
Kinjal Desai	25 May 18	6.53 Yr.

Data below for Nippon India Prime Debt Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	7.55%
Debt	92.32%
Other	0.13%

Debt Sector Allocation

Sector	Value
Corporate	56.67%
Government	35.65%
Cash Equivalent	7.55%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	10%	₹679 Cr	66,500,000 ↓ -7,500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	3%	₹215 Cr	21,000,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	3%	₹211 Cr	20,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹170 Cr	17,000,000 ↑ 5,000,000
India Universal Trust Al1 Sovereign Bonds \| -	2%	₹150 Cr	150 ↑ 150
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	2%	₹149 Cr	150
LIC Housing Finance Limited Debentures \| -	2%	₹136 Cr	13,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹129 Cr	12,800 ↑ 300
Small Industries Development Bank Of India Debentures \| -	2%	₹124 Cr	12,500
Bajaj Finance Limited Debentures \| -	2%	₹116 Cr	11,500

5. Kotak Corporate Bond Fund Standard

The primary objective of the Scheme is to generate income through investment primarily in low duration debt & money market securities. However, there is no assurance that the objective of the scheme will be realized.

Kotak Corporate Bond Fund Standard is a Debt - Corporate Bond fund was launched on 21 Sep 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.7% since its launch. Ranked 15 in Corporate Bond category. Return for 2023 was 6.9% , 2022 was 3.7% and 2021 was 3.8% .

Below is the key information for Kotak Corporate Bond Fund Standard

Kotak Corporate Bond Fund Standard Growth
Launch Date	21 Sep 07
NAV (24 Dec 24)	₹3,599.44 ↑ 0.16 (0.00 %)
Net Assets (Cr)	₹14,333 on 30 Nov 24
Category	Debt - Corporate Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.67
Sharpe Ratio	2.08
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.49%
Effective Maturity	5 Years 29 Days
Modified Duration	3 Years 3 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,956
30 Nov 21	₹11,389
30 Nov 22	₹11,781
30 Nov 23	₹12,548
30 Nov 24	₹13,615

Kotak Corporate Bond Fund Standard 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 Corporate Bond Fund Standard

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	4.1%
1 Year	8.3%
3 Year	6.2%
5 Year	6.4%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.9%
2022	3.7%
2021	3.8%
2020	9.7%
2019	9.6%
2018	7.5%
2017	6.9%
2016	9.4%
2015	8.8%
2014	11.3%

Fund Manager information for Kotak Corporate Bond Fund Standard

Name	Since	Tenure
Deepak Agrawal	1 Feb 15	9.84 Yr.
Manu Sharma	1 Nov 22	2.09 Yr.

Data below for Kotak Corporate Bond Fund Standard as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	3.43%
Debt	96.34%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	56.01%
Government	40.33%
Cash Equivalent	3.43%

Credit Quality

Rating	Value
AA	0.35%
AAA	99.65%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	13%	₹1,863 Cr	182,935,080
7.1% Govt Stock 2034 Sovereign Bonds \| -	6%	₹899 Cr	88,470,310 ↓ -10,000,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹707 Cr	70,300
Jamnagar Utilities & Power Private Limited Debentures \| -	4%	₹582 Cr	5,950
7.53% Govt Stock 2034 Sovereign Bonds \| -	4%	₹532 Cr	52,500,000 ↑ 5,000,000
LIC Housing Finance Limited Debentures \| -	3%	₹459 Cr	4,550
Bajaj Finance Limited Debentures \| -	3%	₹438 Cr	43,500
7.93% Govt Stock 2033 Sovereign Bonds \| -	3%	₹380 Cr	36,812,177
HDFC Bank Limited Debentures \| -	3%	₹374 Cr	37,000
Small Industries Development Bank Of India Debentures \| -	2%	₹347 Cr	34,500 ↑ 5,000

6. HDFC Credit Risk Debt Fund

(Erstwhile HDFC Corporate Debt Opportunities Fund)

To generate regular income and capital appreciation by investing predominantly in corporate debt.

HDFC Credit Risk Debt Fund is a Debt - Credit Risk fund was launched on 25 Mar 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.1% since its launch. Ranked 9 in Credit Risk category. Return for 2023 was 6.6% , 2022 was 3.7% and 2021 was 7% .

Below is the key information for HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund Growth
Launch Date	25 Mar 14
NAV (24 Dec 24)	₹23.0209 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹7,404 on 30 Nov 24
Category	Debt - Credit Risk
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.51
Sharpe Ratio	1.86
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL)
Yield to Maturity	8.44%
Effective Maturity	3 Years 2 Months 2 Days
Modified Duration	2 Years 2 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹11,021
30 Nov 21	₹11,835
30 Nov 22	₹12,249
30 Nov 23	₹13,038
30 Nov 24	₹14,139

HDFC Credit Risk Debt 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 HDFC Credit Risk Debt 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	1.5%
6 Month	4.2%
1 Year	8.3%
3 Year	6.2%
5 Year	7.3%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.6%
2022	3.7%
2021	7%
2020	10.9%
2019	8.6%
2018	5.4%
2017	6.6%
2016	11%
2015	9%
2014

Fund Manager information for HDFC Credit Risk Debt Fund

Name	Since	Tenure
Shobhit Mehrotra	25 Mar 14	10.7 Yr.
Dhruv Muchhal	22 Jun 23	1.45 Yr.

Data below for HDFC Credit Risk Debt Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	8.05%
Equity	2.2%
Debt	89.46%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	73.84%
Government	12.09%
Cash Equivalent	8.05%
Securitized	2.65%

Credit Quality

Rating	Value
A	6.26%
AA	66.31%
AAA	27.44%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Sandur Manganese And Iron Ores Limited (The) Debentures \| -	4%	₹297 Cr	30,000
Tata Projects Limited Debentures \| -	3%	₹251 Cr	25,000
The Tata Power Company Limited Debentures \| -	3%	₹231 Cr	2,190
TATA Motors Limited Debentures \| -	3%	₹201 Cr	2,000
Power Finance Corporation Limited Debentures \| -	3%	₹200 Cr	1,890 ↓ -550
Kalpataru Power Transmission Limited Debentures \| -	3%	₹198 Cr	20,000
TATA Motors Limited Debentures \| -	3%	₹191 Cr	1,900
Embassy Office Parks Reit Unlisted bonds \| -	3%	₹190 Cr	5,007,542
TVS Credit Services Limited Debentures \| -	2%	₹181 Cr	180
Kalpataru Power Transmission Limited Debentures \| -	2%	₹179 Cr	18,000

ಒಟ್ಟು ಮೊತ್ತ ಸಾಲ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?

ಫಿನ್‌ಕ್ಯಾಶ್.ಕಾಂನಲ್ಲಿ ಜೀವಮಾನಕ್ಕಾಗಿ ಉಚಿತ ಹೂಡಿಕೆ ಖಾತೆಯನ್ನು ತೆರೆಯಿರಿ.

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