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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 November 18, 2024 , 2043 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	₹30.9298 ↑ 0.01	₹32,072	5,000	2.2	4.5	8.6	6.2	7.2	7.4%	4Y 7D	6Y 2M 5D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹107.189 ↑ 0.03	₹23,337	1,000	2	4.5	8.6	6.4	7.3	7.49%	3Y 9M 18D	5Y 7M 13D
Aditya Birla Sun Life Savings Fund Growth	₹522.841 ↑ 0.11	₹15,098	1,000	2	3.8	7.8	6.4	7.2	7.78%	5M 19D	7M 24D
Nippon India Prime Debt Fund Growth	₹56.8306 ↑ 0.02	₹6,312	1,000	2.1	4.4	8.5	6.5	7.1	7.41%	4Y	5Y 3M 22D
HDFC Credit Risk Debt Fund Growth	₹22.8932 ↑ 0.00	₹7,461	5,000	1.9	4.5	8.4	6.1	6.6	8.51%	2Y 3M	3Y 3M 4D
Kotak Corporate Bond Fund Standard Growth	₹3,579.18 ↑ 1.35	₹14,163	5,000	2	4.4	8.3	6.1	6.9	7.43%	3Y 3M 7D	5Y 4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Nov 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 8.2% 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 (19 Nov 24)	₹30.9298 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹32,072 on 31 Oct 24
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.59
Sharpe Ratio	2.65
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.4%
Effective Maturity	6 Years 2 Months 5 Days
Modified Duration	4 Years 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,135
31 Oct 21	₹11,660
31 Oct 22	₹11,967
31 Oct 23	₹12,824
31 Oct 24	₹13,950

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 19 Nov 24

Duration	Returns
1 Month	0.5%
3 Month	2.2%
6 Month	4.5%
1 Year	8.6%
3 Year	6.2%
5 Year	6.9%
10 Year
15 Year
Since launch	8.2%

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	9.02 Yr.
Dhruv Muchhal	22 Jun 23	1.36 Yr.

Data below for HDFC Corporate Bond Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	3.09%
Debt	96.68%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	55.4%
Government	41.28%
Cash Equivalent	3.09%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.23% Govt Stock 2039 Sovereign Bonds \| -	10%	₹3,356 Cr	325,000,000 ↑ 110,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	5%	₹1,498 Cr	150,000,000 ↑ 150,000,000
7.93% Govt Stock 2033 Sovereign Bonds \| -	4%	₹1,287 Cr	125,000,000
7.53% Govt Stock 2034 Sovereign Bonds \| -	2%	₹758 Cr	75,000,000
State Bank Of India Debentures \| -	2%	₹702 Cr	700 ↑ 700
Mangalore Refinery And Petrochemicals Limited Debentures \| -	2%	₹558 Cr	5,670
Reliance Industries Limited Debentures \| -	2%	₹528 Cr	5,000
HDFC Bank Limited Debentures \| -	2%	₹510 Cr	50,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹505 Cr	50,000
LIC Housing Finance Limited Debentures \| -	2%	₹501 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 (19 Nov 24)	₹107.189 ↑ 0.03 (0.03 %)
Net Assets (Cr)	₹23,337 on 31 Oct 24
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.5
Sharpe Ratio	2.36
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.49%
Effective Maturity	5 Years 7 Months 13 Days
Modified Duration	3 Years 9 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,157
31 Oct 21	₹11,688
31 Oct 22	₹12,091
31 Oct 23	₹12,939
31 Oct 24	₹14,093

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 19 Nov 24

Duration	Returns
1 Month	0.5%
3 Month	2%
6 Month	4.5%
1 Year	8.6%
3 Year	6.4%
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	3.56 Yr.
Dhaval Joshi	21 Nov 22	1.95 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	3.9%
Debt	95.87%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	55.8%
Government	39.54%
Cash Equivalent	3.9%
Securitized	0.53%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.18 Goi 14082033 Sovereign Bonds \| -	11%	₹2,620 Cr	255,500,000 ↓ -4,000,000
07.18 Goi 24072037 Sovereign Bonds \| -	6%	₹1,388 Cr	134,824,100 ↑ 2,500,000
7.10%Goi 08/04/2034 Sovereign Bonds \| -	3%	₹759 Cr	74,161,700 ↑ 42,500,000
Small Industries Development Bank Of India Debentures \| -	3%	₹696 Cr	69,550
8% Govt Stock 2034 Sovereign Bonds \| -	3%	₹653 Cr	64,637,700
7.26% Govt Stock 2033 Sovereign Bonds \| -	3%	₹608 Cr	59,089,300 ↓ -6,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹600 Cr	6,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹558 Cr	55,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹489 Cr	48,500
Bajaj Finance Limited Debentures \| -	2%	₹453 Cr	45,000

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 (19 Nov 24)	₹522.841 ↑ 0.11 (0.02 %)
Net Assets (Cr)	₹15,098 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	2.85
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.78%
Effective Maturity	7 Months 24 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,725
31 Oct 21	₹11,155
31 Oct 22	₹11,636
31 Oct 23	₹12,469
31 Oct 24	₹13,431

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 19 Nov 24

Duration	Returns
1 Month	0.7%
3 Month	2%
6 Month	3.8%
1 Year	7.8%
3 Year	6.4%
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	10.38 Yr.
Kaustubh Gupta	15 Jul 11	13.31 Yr.
Monika Gandhi	22 Mar 21	3.62 Yr.
Dhaval Joshi	21 Nov 22	1.95 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	36.98%
Debt	62.73%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	66.63%
Cash Equivalent	21.1%
Government	11.99%

Credit Quality

Rating	Value
AA	30.91%
AAA	69.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Housing Bank 7.83% Debentures \| -	6%	₹820 Cr	82,000
Shriram Finance Company Limited Debentures \| -	4%	₹601 Cr	60,000 ↑ 10,000
Nirma Limited Debentures \| -	4%	₹501 Cr	50,000
Rural Electrification Corporation Limited Debentures \| -	3%	₹401 Cr	40,000 ↓ -10,000
National Housing Bank Debentures \| -	3%	₹400 Cr	40,000
Tata Realty And Infrastructure Limited Debentures \| -	3%	₹360 Cr	36,000
Bharti Telecom Limited Debentures \| -	2%	₹325 Cr	3,250
Govt Stock 04102028 Sovereign Bonds \| -	2%	₹317 Cr	31,500,000 ↑ 2,500,000
Bajaj Housing Finance Ltd. 8% Debentures \| -	2%	₹301 Cr	30,000
Nirma Limited 8.3% Debentures \| -	2%	₹250 Cr	25,000

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 (19 Nov 24)	₹56.8306 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹6,312 on 31 Oct 24
Category	Debt - Corporate Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.69
Sharpe Ratio	2.23
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.41%
Effective Maturity	5 Years 3 Months 22 Days
Modified Duration	4 Years

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,934
31 Oct 21	₹11,501
31 Oct 22	₹11,927
31 Oct 23	₹12,768
31 Oct 24	₹13,890

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 19 Nov 24

Duration	Returns
1 Month	0.5%
3 Month	2.1%
6 Month	4.4%
1 Year	8.5%
3 Year	6.5%
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	4.75 Yr.
Kinjal Desai	25 May 18	6.44 Yr.

Data below for Nippon India Prime Debt Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	6.07%
Debt	93.79%
Other	0.14%

Debt Sector Allocation

Sector	Value
Corporate	56.54%
Government	37.25%
Cash Equivalent	6.07%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	12%	₹707 Cr	69,500,000 ↑ 2,500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	4%	₹215 Cr	21,000,000 ↑ 7,500,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	3%	₹185 Cr	18,000,000
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	3%	₹149 Cr	150
LIC Housing Finance Limited Debentures \| -	2%	₹136 Cr	13,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹125 Cr	12,500
Small Industries Development Bank Of India Debentures \| -	2%	₹125 Cr	12,500 ↑ 12,500
6.79% Govt Stock 2034 Sovereign Bonds \| -	2%	₹120 Cr	12,000,000 ↑ 7,500,000
Bajaj Finance Limited Debentures \| -	2%	₹116 Cr	11,500 ↓ -1,000
Tata Capital Housing Finance Limited Debentures \| -	2%	₹111 Cr	11,000

5. 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 (19 Nov 24)	₹22.8932 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹7,461 on 31 Oct 24
Category	Debt - Credit Risk
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.51
Sharpe Ratio	2.25
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	8.51%
Effective Maturity	3 Years 3 Months 4 Days
Modified Duration	2 Years 3 Months

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,023
31 Oct 21	₹11,906
31 Oct 22	₹12,303
31 Oct 23	₹13,112
31 Oct 24	₹14,248

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 19 Nov 24

Duration	Returns
1 Month	0.5%
3 Month	1.9%
6 Month	4.5%
1 Year	8.4%
3 Year	6.1%
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	10.61 Yr.
Dhruv Muchhal	22 Jun 23	1.36 Yr.

Data below for HDFC Credit Risk Debt Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	9.54%
Equity	2.16%
Debt	88%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	73.04%
Government	11.38%
Cash Equivalent	9.54%
Securitized	2.71%

Credit Quality

Rating	Value
A	1.83%
AA	71.15%
AAA	27.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corporation Limited Debentures \| -	4%	₹297 Cr	2,790
Tata Projects Limited Debentures \| -	3%	₹251 Cr	25,000
The Tata Power Company Limited Debentures \| -	3%	₹232 Cr	2,190
Embassy Office Parks Reit Unlisted bonds \| -	3%	₹203 Cr	5,208,223
TATA Motors Limited Debentures \| -	3%	₹201 Cr	2,000
Kalpataru Power Transmission Limited Debentures \| -	3%	₹200 Cr	20,000
TATA Motors Limited Debentures \| -	3%	₹191 Cr	1,900
TVS Credit Services Limited Debentures \| -	2%	₹180 Cr	180
Kalpataru Power Transmission Limited Debentures \| -	2%	₹179 Cr	18,000
Resco Global Wind Services Private Limited Debentures \| -	2%	₹151 Cr	20,000

6. 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 (19 Nov 24)	₹3,579.18 ↑ 1.35 (0.04 %)
Net Assets (Cr)	₹14,163 on 31 Oct 24
Category	Debt - Corporate Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.67
Sharpe Ratio	2.13
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.43%
Effective Maturity	5 Years 4 Days
Modified Duration	3 Years 3 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,932
31 Oct 21	₹11,429
31 Oct 22	₹11,771
31 Oct 23	₹12,548
31 Oct 24	₹13,625

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 19 Nov 24

Duration	Returns
1 Month	0.5%
3 Month	2%
6 Month	4.4%
1 Year	8.3%
3 Year	6.1%
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	9.76 Yr.
Manu Sharma	1 Nov 22	2 Yr.

Data below for Kotak Corporate Bond Fund Standard as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	2.6%
Debt	97.17%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	56.43%
Government	40.73%
Cash Equivalent	2.6%

Credit Quality

Rating	Value
AA	0.35%
AAA	99.65%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.18 Goi 14082033 Sovereign Bonds \| -	13%	₹1,876 Cr	182,935,080 ↓ -12,500,010
7.10%Goi 08/04/2034 Sovereign Bonds \| -	9%	₹1,331 Cr	130,170,310 ↑ 36,900,010
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹708 Cr	70,300
Jamnagar Utilities And Power Pvt Limited Debentures \| -	4%	₹558 Cr	5,700
LIC Housing Finance Limited Debentures \| -	3%	₹460 Cr	4,550
Bajaj Finance Limited Debentures \| -	3%	₹438 Cr	43,500
Govt Stock 22092033 Sovereign Bonds \| -	3%	₹379 Cr	36,812,177
HDFC Bank Limited Debentures \| -	3%	₹374 Cr	37,000
Mahindra & Mahindra Financial Services Ltd Debentures \| -	2%	₹303 Cr	30,000
Small Industries Development Bank Of India Debentures \| -	2%	₹298 Cr	29,500

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.