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മികച്ച ദീർഘകാല ബോണ്ട് ഫണ്ടുകൾക്കായി തിരയുകയാണോ? ഇടത്തരം മുതൽ ദീർഘകാലം വരെ കാത്തിരിക്കുന്ന നിക്ഷേപകർക്കുള്ള ഫണ്ടുകളാണിത്നിക്ഷേപ പദ്ധതി, സാധാരണയായി 3-5 വർഷത്തേക്ക്. ദീർഘകാല ബോണ്ട് ഫണ്ടുകൾ പ്രധാനമായും ജി-സെക്കന്റുകളിലും കോർപ്പറേറ്റുകളിലും നിക്ഷേപിക്കുന്നുബോണ്ടുകൾ ഇടത്തരം മുതൽ നീണ്ട മെച്യൂരിറ്റി കാലയളവ് ഉള്ളവ.
ഈ ഫണ്ടുകൾ പലിശ നിരക്ക് മാറ്റങ്ങളോട് സെൻസിറ്റീവ് ആണ്, മറ്റ് ഡെറ്റ് വിഭാഗങ്ങളുമായി താരതമ്യപ്പെടുത്തുമ്പോൾ കൂടുതൽ അസ്ഥിരമായിരിക്കും.
ഡെറ്റ് സെക്യൂരിറ്റികളുടെ പലിശ നിരക്കുകൾക്കും വിലകൾക്കും വിപരീത ബന്ധമുണ്ട്, അതിനർത്ഥം അവ വിപരീത ദിശകളിലേക്ക് നീങ്ങുന്നു എന്നാണ്. ഉദാഹരണത്തിന്, ബോണ്ട് ഫണ്ടുകൾക്ക് പലിശ നിരക്ക് കുറയുന്നത് നല്ലതാണ്. പലിശ നിരക്ക് കുറയുന്ന സമയത്ത്, ബോണ്ടുകളുടെ വില ഉയരുകയും ഇത് വർദ്ധിപ്പിക്കുകയും ചെയ്യുന്നുഎൻഎവികൾ യുടെഡെറ്റ് ഫണ്ട് സ്കീമുകൾ.
പലിശ നിരക്കുകളിലെ കുറവ് ദീർഘകാല സെക്യൂരിറ്റികളുടെ വിലയിൽ വർദ്ധനവിന് കാരണമാകുന്നതിനാൽ, നിക്ഷേപം നടത്തുന്നത് നല്ലതാണ്ദീർഘകാല ഡെറ്റ് ഫണ്ടുകൾ പലിശ നിരക്കുകൾ കുറയുമെന്ന് പ്രതീക്ഷിക്കുമ്പോൾ. ദീർഘകാലത്തേക്ക് (അതായത്, 3 വർഷവും അതിനുമുകളിലും) നിക്ഷേപം നടത്താൻ ആഗ്രഹിക്കുന്ന നിക്ഷേപകർ, കുറച്ച് റിസ്ക് എടുക്കാൻ കഴിയുന്ന നിക്ഷേപകർ ഈ സ്കീമിൽ നിക്ഷേപിക്കേണ്ടതാണ്.
മാത്രമല്ല, പലിശ നിരക്കുകളിൽ ഏറ്റക്കുറച്ചിലുകൾ അനുഭവപ്പെടുന്ന നിക്ഷേപകർവിപണി ഈ നിക്ഷേപങ്ങളുമായി മുന്നോട്ട് പോകാം. 2022-ലെ മികച്ച 10 ദീർഘകാല ബോണ്ട് ഫണ്ടുകൾ ഇതാ.
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Fund NAV Net Assets (Cr) Min Investment Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity ICICI Prudential Long Term Bond Fund Growth ₹86.1316
↑ 0.10 ₹1,031 5,000 1,000 1.6 4.6 10.5 6.3 10.1 7.1% 6Y 9M 29D 10Y 29D IDFC Bond Fund Long Term Plan Growth ₹62.7572
↑ 0.04 ₹486 5,000 1,000 1 3.4 8.3 4.9 7.9 7.26% 6Y 9M 15Y 3M 7D HDFC Income Fund Growth ₹55.8244
↑ 0.06 ₹861 5,000 300 1.3 3.9 9.3 5.4 9 7.12% 6Y 8M 15D 11Y 4M 26D UTI Bond Fund Growth ₹70.3884
↑ 0.07 ₹314 1,000 500 1.4 4.1 8.8 8.3 8.5 7.34% 6Y 8M 1D 10Y 5M 19D Nippon India Income Fund Growth ₹86.2907
↑ 0.09 ₹399 5,000 100 1.2 3.8 8.5 6.2 8.1 7.03% 6Y 6M 25D 11Y 8M 26D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Jan 25
(Erstwhile ICICI Prudential Income Plan) To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. ICICI Prudential Long Term Bond Fund is a Debt - Longterm Bond fund was launched on 9 Jul 98. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Long Term Bond Fund Returns up to 1 year are on (Erstwhile IDFC Super Saver Income Fund - Investment Plan) The primary investment objective of the scheme is to seek to generate stable returns with a low-risk strategy by creating a portfolio that is invested in good quality fixed income & Money Market securities. However, there can be no assurance that the investment objectives of the scheme will be realized. IDFC Bond Fund Long Term Plan is a Debt - Longterm Bond fund was launched on 14 Jul 00. It is a fund with Moderate risk and has given a Below is the key information for IDFC Bond Fund Long Term Plan Returns up to 1 year are on Aims to optimise returns while maintaining a balance of safety, yield and liquidity. HDFC Income Fund is a Debt - Medium to Long term fund was launched on 11 Sep 00. It is a fund with Moderate risk and has given a Below is the key information for HDFC Income Fund Returns up to 1 year are on (Erstwhile UTI - Bond Fund) The Scheme will retain the flexibility to invest in the entire range of debt and money market instruments. The flexibility is being retained to adjust the portfolio in response to a change in the risk to return equation for asset classes under investment, with a view to maintain risks within manageable limits. UTI Bond Fund is a Debt - Medium to Long term fund was launched on 4 May 98. It is a fund with Moderate risk and has given a Below is the key information for UTI Bond Fund Returns up to 1 year are on The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels 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 Income Fund is a Debt - Medium to Long term fund was launched on 1 Jan 98. It is a fund with Moderate risk and has given a Below is the key information for Nippon India Income Fund Returns up to 1 year are on 1. ICICI Prudential Long Term Bond Fund
CAGR/Annualized
return of 8.5% since its launch. Ranked 12 in Longterm Bond
category. Return for 2024 was 10.1% , 2023 was 6.8% and 2022 was 1.3% . ICICI Prudential Long Term Bond Fund
Growth Launch Date 9 Jul 98 NAV (06 Jan 25) ₹86.1316 ↑ 0.10 (0.12 %) Net Assets (Cr) ₹1,031 on 15 Dec 24 Category Debt - Longterm Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.97 Sharpe Ratio 1.92 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.1% Effective Maturity 10 Years 29 Days Modified Duration 6 Years 9 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,102 31 Dec 21 ₹11,147 31 Dec 22 ₹11,287 31 Dec 23 ₹12,057 31 Dec 24 ₹13,277 Returns for ICICI Prudential Long Term Bond Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jan 25 Duration Returns 1 Month 0.4% 3 Month 1.6% 6 Month 4.6% 1 Year 10.5% 3 Year 6.3% 5 Year 5.9% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 10.1% 2022 6.8% 2021 1.3% 2020 0.4% 2019 11% 2018 12.1% 2017 6.8% 2016 4.1% 2015 15.7% 2014 5.1% Fund Manager information for ICICI Prudential Long Term Bond Fund
Name Since Tenure Manish Banthia 22 Jan 24 0.94 Yr. Raunak Surana 22 Jan 24 0.94 Yr. Data below for ICICI Prudential Long Term Bond Fund as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 3.4% Debt 96.39% Other 0.21% Debt Sector Allocation
Sector Value Government 76.39% Corporate 20% Cash Equivalent 3.4% Credit Quality
Rating Value AA 5.4% AAA 94.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -35% ₹363 Cr 35,556,200
↑ 500,000 7.18% Govt Stock 2037
Sovereign Bonds | -20% ₹207 Cr 20,103,830 HDFC Bank Limited
Debentures | -7% ₹77 Cr 7,500 Government Of India 6.92%
Sovereign Bonds | -7% ₹76 Cr 7,563,500 7.18% Govt Stock 2033
Sovereign Bonds | -6% ₹64 Cr 6,237,500 The Great Eastern Shipping Company Limited
Debentures | -5% ₹53 Cr 536 LIC Housing Finance Limited
Debentures | -5% ₹51 Cr 500 7.23% Govt Stock 2039
Sovereign Bonds | -5% ₹47 Cr 4,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -3% ₹30 Cr 2,972,700 LIC Housing Finance Limited
Debentures | -2% ₹25 Cr 2,500 2. IDFC Bond Fund Long Term Plan
CAGR/Annualized
return of 7.8% since its launch. Return for 2024 was 7.9% , 2023 was 6% and 2022 was 0.6% . IDFC Bond Fund Long Term Plan
Growth Launch Date 14 Jul 00 NAV (06 Jan 25) ₹62.7572 ↑ 0.04 (0.06 %) Net Assets (Cr) ₹486 on 15 Dec 24 Category Debt - Longterm Bond AMC IDFC Asset Management Company Limited Rating Risk Moderate Expense Ratio 1.98 Sharpe Ratio 0.88 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 7.26% Effective Maturity 15 Years 3 Months 7 Days Modified Duration 6 Years 9 Months Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,178 31 Dec 21 ₹11,316 31 Dec 22 ₹11,384 31 Dec 23 ₹12,062 31 Dec 24 ₹13,019 Returns for IDFC Bond Fund Long Term Plan
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jan 25 Duration Returns 1 Month 0.2% 3 Month 1% 6 Month 3.4% 1 Year 8.3% 3 Year 4.9% 5 Year 5.5% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.9% 2022 6% 2021 0.6% 2020 1.2% 2019 11.8% 2018 10.4% 2017 6.6% 2016 3.1% 2015 12.9% 2014 5.9% Fund Manager information for IDFC Bond Fund Long Term Plan
Name Since Tenure Suyash Choudhary 15 Oct 10 14.22 Yr. Brijesh Shah 10 Jun 24 0.56 Yr. Data below for IDFC Bond Fund Long Term Plan as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 16.25% Debt 83.48% Other 0.27% Debt Sector Allocation
Sector Value Government 69.22% Corporate 18.32% Cash Equivalent 12.19% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -48% ₹234 Cr 22,500,000 National Bank For Agriculture And Rural Development
Debentures | -10% ₹50 Cr 5,000,000 Tata Capital Financial Services Limited
Debentures | -9% ₹42 Cr 4,200,000 7.04% Govt Stock 2029
Sovereign Bonds | -7% ₹36 Cr 3,500,000
↓ -500,000 Bajaj Housing Finance Ltd. 8.04%
Debentures | -5% ₹25 Cr 2,500,000 7.17% Govt Stock 2030
Sovereign Bonds | -3% ₹15 Cr 1,500,000
↑ 500,000 Rec Limited
Debentures | -0% ₹2 Cr 200,000 Corporate Debt Market Development Fund Class A2
Investment Fund | -0% ₹1 Cr 1,254 6.79% Govt Stock 2027
Sovereign Bonds | -0% ₹1 Cr 100,000 7.73% Govt Stock 2034
Sovereign Bonds | -0% ₹0 Cr 37,500 3. HDFC Income Fund
CAGR/Annualized
return of 7.3% since its launch. Ranked 29 in Medium to Long term
category. Return for 2024 was 9% , 2023 was 6.1% and 2022 was 0.9% . HDFC Income Fund
Growth Launch Date 11 Sep 00 NAV (06 Jan 25) ₹55.8244 ↑ 0.06 (0.10 %) Net Assets (Cr) ₹861 on 30 Nov 24 Category Debt - Medium to Long term AMC HDFC Asset Management Company Limited Rating ☆☆ Risk Moderate Expense Ratio 1.53 Sharpe Ratio 1.38 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Months (0.25%),1 Months and above(NIL) Yield to Maturity 7.12% Effective Maturity 11 Years 4 Months 26 Days Modified Duration 6 Years 8 Months 15 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,927 31 Dec 21 ₹11,161 31 Dec 22 ₹11,262 31 Dec 23 ₹11,945 31 Dec 24 ₹13,018 Returns for HDFC Income Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jan 25 Duration Returns 1 Month 0.3% 3 Month 1.3% 6 Month 3.9% 1 Year 9.3% 3 Year 5.4% 5 Year 5.4% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 9% 2022 6.1% 2021 0.9% 2020 2.1% 2019 9.3% 2018 8.7% 2017 3.6% 2016 1.3% 2015 14.5% 2014 5.3% Fund Manager information for HDFC Income Fund
Name Since Tenure Shobhit Mehrotra 11 Sep 07 17.32 Yr. Dhruv Muchhal 22 Jun 23 1.53 Yr. Data below for HDFC Income Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 3.57% Debt 96.19% Other 0.24% Debt Sector Allocation
Sector Value Government 84.06% Corporate 11.68% Cash Equivalent 3.57% Securitized 0.46% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2037
Sovereign Bonds | -20% ₹175 Cr 17,000,000 7.41% Govt Stock 2036
Sovereign Bonds | -12% ₹105 Cr 10,000,000 7.54% Govt Stock 2036
Sovereign Bonds | -12% ₹100 Cr 9,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -9% ₹78 Cr 7,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹62 Cr 6,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹29 Cr 2,879,300 Ntpc Limited
Debentures | -3% ₹26 Cr 250 7.98% Govt Stock 2031
Sovereign Bonds | -3% ₹25 Cr 2,500,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -3% ₹25 Cr 2,500 7.53% Govt Stock 2034
Sovereign Bonds | -3% ₹25 Cr 2,500,000 4. UTI Bond Fund
CAGR/Annualized
return of 7.6% since its launch. Ranked 11 in Medium to Long term
category. Return for 2024 was 8.5% , 2023 was 6.4% and 2022 was 9.9% . UTI Bond Fund
Growth Launch Date 4 May 98 NAV (06 Jan 25) ₹70.3884 ↑ 0.07 (0.10 %) Net Assets (Cr) ₹314 on 30 Nov 24 Category Debt - Medium to Long term AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.62 Sharpe Ratio 1.2 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.34% Effective Maturity 10 Years 5 Months 19 Days Modified Duration 6 Years 8 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,106 31 Dec 21 ₹11,058 31 Dec 22 ₹12,152 31 Dec 23 ₹12,934 31 Dec 24 ₹14,028 Returns for UTI Bond Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jan 25 Duration Returns 1 Month 0.3% 3 Month 1.4% 6 Month 4.1% 1 Year 8.8% 3 Year 8.3% 5 Year 7% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.5% 2022 6.4% 2021 9.9% 2020 9.4% 2019 1.1% 2018 -5.8% 2017 4% 2016 3.6% 2015 13.9% 2014 6.3% Fund Manager information for UTI Bond Fund
Name Since Tenure Sunil Patil 17 Apr 23 1.71 Yr. Data below for UTI Bond Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 1.9% Debt 97.84% Other 0.26% Debt Sector Allocation
Sector Value Government 59.45% Corporate 38.39% Cash Equivalent 1.9% Credit Quality
Rating Value AA 11.48% AAA 88.52% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.92% Govt Stock 2039
Sovereign Bonds | -56% ₹176 Cr 1,750,000,000 LIC Housing Finance Limited
Debentures | -8% ₹25 Cr 250 Hdb Financial Services Ltd.
Debentures | -8% ₹25 Cr 250 Jamnagar Utilities And Power Private Limited
Debentures | -6% ₹20 Cr 2,000 Cholamandalam Investment And Finance Company Limited
Debentures | -5% ₹15 Cr 1,500 Aditya Birla Renewables Limited
Debentures | -5% ₹15 Cr 1,500 INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -5% ₹15 Cr 15 07.78 RJ Sdl 2033
Sovereign Bonds | -2% ₹5 Cr 50,000,000 07.74 MH Sgs 2033
Sovereign Bonds | -2% ₹5 Cr 50,000,000 Mankind Pharma Ltd
Debentures | -2% ₹5 Cr 500 5. Nippon India Income Fund
CAGR/Annualized
return of 8.3% since its launch. Ranked 28 in Medium to Long term
category. Return for 2024 was 8.1% , 2023 was 6.8% and 2022 was 3.3% . Nippon India Income Fund
Growth Launch Date 1 Jan 98 NAV (06 Jan 25) ₹86.2907 ↑ 0.09 (0.10 %) Net Assets (Cr) ₹399 on 30 Nov 24 Category Debt - Medium to Long term AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.43 Sharpe Ratio 0.95 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-15 Days (0.25%),15 Days and above(NIL) Yield to Maturity 7.03% Effective Maturity 11 Years 8 Months 26 Days Modified Duration 6 Years 6 Months 25 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,054 31 Dec 21 ₹11,192 31 Dec 22 ₹11,564 31 Dec 23 ₹12,356 31 Dec 24 ₹13,360 Returns for Nippon India Income Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jan 25 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 3.8% 1 Year 8.5% 3 Year 6.2% 5 Year 6% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.1% 2022 6.8% 2021 3.3% 2020 1.2% 2019 10.5% 2018 11.4% 2017 6.1% 2016 2.4% 2015 13.8% 2014 5.1% Fund Manager information for Nippon India Income Fund
Name Since Tenure Vivek Sharma 1 Feb 20 4.92 Yr. Kinjal Desai 25 May 18 6.61 Yr. Data below for Nippon India Income Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 10.24% Debt 89.55% Other 0.22% Debt Sector Allocation
Sector Value Government 79.5% Cash Equivalent 10.24% Corporate 10.05% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2037
Sovereign Bonds | -21% ₹82 Cr 8,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -13% ₹51 Cr 5,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -13% ₹51 Cr 5,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -7% ₹26 Cr 2,500,000 7.32% Govt Stock 2030
Sovereign Bonds | -6% ₹26 Cr 2,500,000 7.1% Govt Stock 2034
Sovereign Bonds | -6% ₹26 Cr 2,500,000 7.1% Govt Stock 2029
Sovereign Bonds | -6% ₹25 Cr 2,500,000
↓ -1,500,000 Small Industries Development Bank Of India
Debentures | -6% ₹25 Cr 2,500 National Bank For Agriculture And Rural Development
Debentures | -6% ₹25 Cr 2,500
↑ 1,500 LIC Housing Finance Ltd
Debentures | -4% ₹15 Cr 150
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