Table of Contents

ഇടത്തരം മുതൽ ദീർഘകാലം വരെയുള്ള മ്യൂച്വൽ ഫണ്ടുകളുടെ അവലോകനം
ഡെറ്റ് മ്യൂച്വൽ ഫണ്ടുകളിലെ നികുതി
- ഹ്രസ്വകാല മൂലധന നേട്ടം
- ദീർഘകാല മൂലധന നേട്ടം
മികച്ച 11 മികച്ച പ്രകടനം നടത്തുന്ന മീഡിയം മുതൽ ദീർഘകാല ഫണ്ടുകൾ FY 22 - 23
ഇടത്തരം മുതൽ ദീർഘകാലം വരെയുള്ള ഫണ്ടുകളിൽ എങ്ങനെ നിക്ഷേപിക്കാം?
Top 9 Debt - Medium to Long term

മികച്ച ഇടത്തരം മുതൽ ദീർഘകാല ഫണ്ടുകൾ 2022

Updated on November 26, 2024 , 1930 views

4 മുതൽ 7 വർഷം വരെ പണം നിക്ഷേപിക്കാൻ നോക്കുന്നു, പക്ഷേ ആഗ്രഹിക്കുന്നില്ലവിപണി അസ്ഥിരത നിങ്ങളുടെ നിക്ഷേപത്തെ ബാധിക്കുമോ? അപ്പോൾ നിങ്ങൾ നോക്കേണ്ട ഒരു ഫണ്ട് ഇതാ. മീഡിയം മുതൽ ലോംഗ് ഡ്യൂറേഷൻ ഫണ്ടുകൾ എന്നത് 4 മുതൽ 7 വർഷം വരെ മക്കാലെ ദൈർഘ്യമുള്ള ഒരു തരം ഡെറ്റ് ഫണ്ടാണ്. അതിനാൽ, നിങ്ങളുടെ സമ്പത്തിൽ നിന്ന് മധ്യത്തിൽ നിന്ന് ദീർഘകാലത്തേക്ക് ഒപ്റ്റിമൽ റിട്ടേൺ നേടാൻ നിങ്ങൾ ആഗ്രഹിക്കുന്നുവെങ്കിൽ, ഇടത്തരം മുതൽ ദീർഘകാല ഫണ്ടുകൾ നിങ്ങൾക്ക് അനുയോജ്യമായ ഫണ്ടായിരിക്കും.

ഇടത്തരം മുതൽ ദീർഘകാലം വരെയുള്ള മ്യൂച്വൽ ഫണ്ടുകളുടെ അവലോകനം

ഇടത്തരം മുതൽ ദീർഘകാലം വരെയുള്ള ഫണ്ടുകൾ കടത്തിൽ നിക്ഷേപിക്കുന്നുപണ വിപണി ശരാശരി 4 മുതൽ 7 വർഷം വരെ മെച്യൂരിറ്റി ഉള്ള ഉപകരണങ്ങൾ (മക്കാലെ കാലാവധി). ഈ ഫണ്ടുകൾ മികച്ച വരുമാനം നൽകിയേക്കാം, എന്നാൽ പലിശ നിരക്ക് മാറ്റങ്ങളോട് കൂടുതൽ സെൻസിറ്റീവ് ആയിരിക്കും. പലിശ നിരക്ക് ഉയരുമ്പോൾ ബോണ്ട് വില കുറയുന്നു, തിരിച്ചും. അത്തരം ഡെറ്റ് ഫണ്ടുകൾ പലിശ നിരക്കിലെ ഏറ്റക്കുറച്ചിലുകൾക്ക് വിധേയമാകുന്നതിനാൽ, ഇത് വിലകളെ അസ്വസ്ഥമാക്കുന്നുഅടിവരയിടുന്നു ബോണ്ടുകൾ ഫണ്ട് പോർട്ട്ഫോളിയോയിൽ.

ഇടത്തരം മുതൽ ദീർഘകാല ഫണ്ടുകളിൽ നിക്ഷേപിക്കാൻ ആഗ്രഹിക്കുന്ന നിക്ഷേപകർക്ക് ഒരു പരിധിവരെ റിസ്ക് സഹിക്കാൻ കഴിയണം, കാരണം അത്തരം ഡെറ്റ് ഫണ്ടുകൾ പൂർണ്ണമായും അപകടസാധ്യതയില്ലാത്തവയല്ല. ഡെറ്റ് ഫണ്ടുകൾക്ക് കുറഞ്ഞ കാലയളവ്, ഹ്രസ്വകാല കാലയളവ്, ഇടത്തരം കാലയളവ്, ഇടത്തരം മുതൽ ദൈർഘ്യമേറിയ കാലയളവ്, ദീർഘകാല ഫണ്ടുകൾ തുടങ്ങി വിവിധ മെച്യൂരിറ്റി സ്കീമുകൾ തിരഞ്ഞെടുക്കാം. ഡെറ്റ് ഫണ്ടുകളിലെ നിക്ഷേപം പരമാവധി പ്രയോജനപ്പെടുത്തുന്നതിന്, നിക്ഷേപകർ അവരുടെ മെച്യൂരിറ്റി കാലയളവിനെ അടിസ്ഥാനമാക്കി നിക്ഷേപം തീരുമാനിക്കേണ്ടതുണ്ട്. പറഞ്ഞതുപോലെ, നിങ്ങൾ ഒരു വർഷത്തെ സമയപരിധി നോക്കുകയാണെങ്കിൽനിക്ഷേപ പദ്ധതി, പിന്നെ, ഒരു ചെറിയ കാലയളവ്ഡെറ്റ് ഫണ്ട് തികച്ചും അനുയോജ്യമാകും.

ഡെറ്റ് മ്യൂച്വൽ ഫണ്ടുകളിലെ നികുതി

ഡെറ്റ് ഫണ്ടുകളിലെ നികുതി സ്വാധീനം ഇനിപ്പറയുന്ന രീതിയിൽ കണക്കാക്കുന്നു-

ഹ്രസ്വകാല മൂലധന നേട്ടം

ഒരു ഡെറ്റ് നിക്ഷേപത്തിന്റെ ഹോൾഡിംഗ് കാലയളവ് 36 മാസത്തിൽ കുറവാണെങ്കിൽ, അത് ഒരു ഹ്രസ്വകാല നിക്ഷേപമായി തരംതിരിക്കുകയും വ്യക്തിയുടെ നികുതി സ്ലാബ് അനുസരിച്ച് നികുതി നൽകുകയും ചെയ്യും.

ദീർഘകാല മൂലധന നേട്ടം

ഡെറ്റ് നിക്ഷേപത്തിന്റെ ഹോൾഡിംഗ് കാലയളവ് 36 മാസത്തിൽ കൂടുതലാണെങ്കിൽ, അത് ദീർഘകാല നിക്ഷേപമായി തരംതിരിക്കുകയും ഇൻഡെക്സേഷൻ ആനുകൂല്യത്തോടെ 20% നികുതി നൽകുകയും ചെയ്യും.

മൂലധനം നേട്ടങ്ങൾ	നിക്ഷേപ ഹോൾഡിംഗ് നേട്ടങ്ങൾ	നികുതി
ഷോർട്ട് ടേംമൂലധന നേട്ടം	36 മാസത്തിൽ താഴെ	വ്യക്തിയുടെ നികുതി സ്ലാബ് അനുസരിച്ച്
ദീർഘകാല മൂലധന നേട്ടം	36 മാസത്തിലധികം	ഇൻഡെക്സേഷൻ ആനുകൂല്യങ്ങളോടെ 20%

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മികച്ച 11 മികച്ച പ്രകടനം നടത്തുന്ന മീഡിയം മുതൽ ദീർഘകാല ഫണ്ടുകൾ FY 22 - 23

Fund	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
HDFC Income Fund Growth	1.5	4.1	9.5	5	6.1	7.09%	6Y 8M 16D	11Y 4M 17D
LIC MF Bond Fund Growth	1.8	4.2	9.3	5.8	6.5	7.13%	6Y	8Y 1M 10D
ICICI Prudential Bond Fund Growth	1.9	4.3	9	6.1	7.7	7.29%	4Y 10M 13D	7Y 8M 19D
UTI Bond Fund Growth	1.7	4.1	9	7.9	6.4	7.32%	6Y 4M 2D	9Y 7M 24D
Kotak Bond Fund Growth	1.5	4	8.9	5.3	6.8	7.04%	6Y 7D	11Y 8M 1D
Aditya Birla Sun Life Income Fund Growth	1.6	4.1	8.8	5.5	6.6	7.27%	6Y 6M 14D	15Y 2M 1D
Nippon India Income Fund Growth	1.3	3.8	8.7	5.6	6.8	6.98%	6Y 8M 23D	11Y 11M 5D
SBI Magnum Income Fund Growth	1.7	4.1	8.4	5.9	7.2	7.53%	5Y 11M 16D	13Y 1M 10D
Canara Robeco Income Fund Growth	1.1	3.6	8.2	4.6	5.6	6.92%	6Y 1M 10D	11Y 11M 21D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Nov 24

1. HDFC Income Fund

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 CAGR/Annualized return of 7.3% since its launch. Ranked 29 in Medium to Long term category. Return for 2023 was 6.1% , 2022 was 0.9% and 2021 was 2.1% .

Below is the key information for HDFC Income Fund

HDFC Income Fund Growth
Launch Date	11 Sep 00
NAV (28 Nov 24)	₹55.4304 ↑ 0.02 (0.03 %)
Net Assets (Cr)	₹864 on 31 Oct 24
Category	Debt - Medium to Long term
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.53
Sharpe Ratio	1.57
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	7.09%
Effective Maturity	11 Years 4 Months 17 Days
Modified Duration	6 Years 8 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,910
31 Oct 21	₹11,213
31 Oct 22	₹11,225
31 Oct 23	₹11,821
31 Oct 24	₹13,020

HDFC Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for HDFC Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 24

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	4.1%
1 Year	9.5%
3 Year	5%
5 Year	5.3%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.1%
2022	0.9%
2021	2.1%
2020	9.3%
2019	8.7%
2018	3.6%
2017	1.3%
2016	14.5%
2015	5.3%
2014	15.7%

Fund Manager information for HDFC Income Fund

Name	Since	Tenure
Shobhit Mehrotra	11 Sep 07	17.15 Yr.
Dhruv Muchhal	22 Jun 23	1.36 Yr.

Data below for HDFC Income Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	3.9%
Debt	95.86%
Other	0.24%

Debt Sector Allocation

Sector	Value
Government	83.7%
Corporate	11.68%
Cash Equivalent	3.9%
Securitized	0.48%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	20%	₹174 Cr	17,000,000
7.41% Govt Stock 2036 Sovereign Bonds \| -	12%	₹104 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%	₹77 Cr	7,500,000 ↑ 1,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	7%	₹61 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
7.53% Govt Stock 2034 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	3%	₹25 Cr	2,500

2. LIC MF Bond Fund

LIC MF Bond Fund is an open-ended debt scheme, which will endeavor to generate an attractive return for its investors by investing in a portfolio of quality debt securities and money market instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

LIC MF Bond Fund is a Debt - Medium to Long term fund was launched on 15 Sep 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.8% since its launch. Return for 2023 was 6.5% , 2022 was 2.8% and 2021 was 1.3% .

Below is the key information for LIC MF Bond Fund

LIC MF Bond Fund Growth
Launch Date	15 Sep 99
NAV (28 Nov 24)	₹68.6669 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹181 on 31 Oct 24
Category	Debt - Medium to Long term
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.04
Sharpe Ratio	1.64
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity	7.13%
Effective Maturity	8 Years 1 Month 10 Days
Modified Duration	6 Years

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,891
31 Oct 21	₹11,078
31 Oct 22	₹11,242
31 Oct 23	₹11,974
31 Oct 24	₹13,140

LIC MF Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for LIC MF 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 28 Nov 24

Duration	Returns
1 Month	0.4%
3 Month	1.8%
6 Month	4.2%
1 Year	9.3%
3 Year	5.8%
5 Year	5.5%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.5%
2022	2.8%
2021	1.3%
2020	8.8%
2019	9.7%
2018	4.9%
2017	2.2%
2016	12.3%
2015	5.6%
2014	12.4%

Fund Manager information for LIC MF Bond Fund

Name	Since	Tenure
Marzban Irani	10 Aug 16	8.23 Yr.
Pratik Shroff	26 Sep 23	1.1 Yr.

Data below for LIC MF Bond Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	2.52%
Debt	97.22%
Other	0.26%

Debt Sector Allocation

Sector	Value
Government	85.83%
Corporate	11.39%
Cash Equivalent	2.52%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.70 MH Sgs 2033 Sovereign Bonds \| -	23%	₹42 Cr	4,000,000
7.10%Goi 08/04/2034 Sovereign Bonds \| -	20%	₹36 Cr	3,500,000
07.80 GJ Sdl 2032 Sovereign Bonds \| -	15%	₹27 Cr	2,500,000
07.64 MH Sgs 2032 Sovereign Bonds \| -	9%	₹16 Cr	1,500,000
07.71 MH Sdl 2033 Sovereign Bonds \| -	7%	₹13 Cr	1,250,000 ↓ -1,000,000
07.18 Goi 14082033 Sovereign Bonds \| -	7%	₹13 Cr	1,250,000
HDFC Bank Limited Debentures \| -	6%	₹10 Cr	100
Jamnagar Utilities & Power Private Limited 7.43% Debentures \| -	6%	₹10 Cr	1,000 ↑ 1,000
06.95 GJ Sdl 2031 Sovereign Bonds \| -	3%	₹5 Cr	500,000
07.72 MH Sdl 2034 Sovereign Bonds \| -	2%	₹3 Cr	300,000

3. ICICI Prudential Bond Fund

(Erstwhile ICICI Prudential Income Opportunities Fund)

ICICI Prudential Income Opportunities Fund is an open-ended income fund that intends to generate income through investments in a range of debt and money market instruments of various credit ratings and maturities

ICICI Prudential Bond Fund is a Debt - Medium to Long term fund was launched on 18 Aug 08. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.6% since its launch. Ranked 19 in Medium to Long term category. Return for 2023 was 7.7% , 2022 was 3.1% and 2021 was 2.9% .

Below is the key information for ICICI Prudential Bond Fund

ICICI Prudential Bond Fund Growth
Launch Date	18 Aug 08
NAV (28 Nov 24)	₹38.1749 ↑ 0.02 (0.06 %)
Net Assets (Cr)	₹2,952 on 31 Oct 24
Category	Debt - Medium to Long term
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.11
Sharpe Ratio	1.46
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-6 Months (1%),6 Months and above(NIL)
Yield to Maturity	7.29%
Effective Maturity	7 Years 8 Months 19 Days
Modified Duration	4 Years 10 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,184
31 Oct 21	₹11,548
31 Oct 22	₹11,804
31 Oct 23	₹12,643
31 Oct 24	₹13,824

ICICI Prudential 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 ICICI Prudential 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 28 Nov 24

Duration	Returns
1 Month	0.7%
3 Month	1.9%
6 Month	4.3%
1 Year	9%
3 Year	6.1%
5 Year	6.6%
10 Year
15 Year
Since launch	8.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.7%
2022	3.1%
2021	2.9%
2020	11.5%
2019	10.9%
2018	4.6%
2017	5.3%
2016	11.3%
2015	8.5%
2014	14.5%

Fund Manager information for ICICI Prudential Bond Fund

Name	Since	Tenure
Darshil Dedhia	22 Jan 24	0.78 Yr.
Rohit Lakhotia	12 Jun 23	1.39 Yr.

Data below for ICICI Prudential Bond Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	8.59%
Debt	91.15%
Other	0.26%

Debt Sector Allocation

Sector	Value
Government	59.58%
Corporate	35.68%
Cash Equivalent	4.48%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.10%Goi 08/04/2034 Sovereign Bonds \| -	37%	₹1,096 Cr	107,181,600 ↑ 31,500,000
Govt Stock 22092033 Sovereign Bonds \| -	10%	₹293 Cr	28,450,000
LIC Housing Finance Limited Debentures \| -	5%	₹162 Cr	1,600
HDFC Bank Limited Debentures \| -	5%	₹134 Cr	13,200 ↑ 5,000
Summit Digitel Infrastructure Ltd Debentures \| -	4%	₹118 Cr	11,650
HDFC Bank Limited Debentures \| -	4%	₹106 Cr	1,100 ↑ 1,100
7.02% Govt Stock 2031 Sovereign Bonds \| -	3%	₹81 Cr	8,000,000 ↓ -10,000,000
Pipeline Infrastructure Private Limited Debentures \| -	3%	₹76 Cr	7,400
07.18 Goi 14082033 Sovereign Bonds \| -	2%	₹66 Cr	6,478,460 ↓ -29,000,000
LIC Housing Finance Ltd Debentures \| -	2%	₹55 Cr	550

4. UTI Bond Fund

(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 CAGR/Annualized return of 7.6% since its launch. Ranked 11 in Medium to Long term category. Return for 2023 was 6.4% , 2022 was 9.9% and 2021 was 9.4% .

Below is the key information for UTI Bond Fund

UTI Bond Fund Growth
Launch Date	4 May 98
NAV (28 Nov 24)	₹69.9118 ↑ 0.04 (0.05 %)
Net Assets (Cr)	₹313 on 31 Oct 24
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	1.24
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.32%
Effective Maturity	9 Years 7 Months 24 Days
Modified Duration	6 Years 4 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,129
31 Oct 21	₹11,141
31 Oct 22	₹12,075
31 Oct 23	₹12,809
31 Oct 24	₹13,998

UTI 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 UTI 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 28 Nov 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	4.1%
1 Year	9%
3 Year	7.9%
5 Year	6.9%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.4%
2022	9.9%
2021	9.4%
2020	1.1%
2019	-5.8%
2018	4%
2017	3.6%
2016	13.9%
2015	6.3%
2014	15.6%

Fund Manager information for UTI Bond Fund

Name	Since	Tenure
Sunil Patil	17 Apr 23	1.54 Yr.

Data below for UTI Bond Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	1.97%
Debt	97.78%
Other	0.25%

Debt Sector Allocation

Sector	Value
Government	59.35%
Corporate	38.43%
Cash Equivalent	1.97%

Credit Quality

Rating	Value
AA	9.81%
AAA	90.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	49%	₹155 Cr	1,510,000,000 ↓ -30,000,000
LIC Housing Finance Limited Debentures \| -	8%	₹25 Cr	250
Hdb Financial Services Ltd. Debentures \| -	8%	₹25 Cr	250
7.23% Govt Stock 2039 Sovereign Bonds \| -	7%	₹21 Cr	200,000,000
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

5. Kotak Bond Fund

(Erstwhile Kotak Bond Regular Plan Growth)

To create a portfolio of debt and money market instruments of different maturities so as to spread the risk across a wide maturity horizon & different kinds of issuers in the debt market. However, there is no assurance that the objective of the scheme will be realized

Kotak Bond Fund is a Debt - Medium to Long term fund was launched on 25 Nov 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.3% since its launch. Ranked 32 in Medium to Long term category. Return for 2023 was 6.8% , 2022 was 1.7% and 2021 was 2.4% .

Below is the key information for Kotak Bond Fund

Kotak Bond Fund Growth
Launch Date	25 Nov 99
NAV (28 Nov 24)	₹73.3213 ↑ 0.04 (0.06 %)
Net Assets (Cr)	₹2,221 on 31 Oct 24
Category	Debt - Medium to Long term
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆
Risk	Moderate
Expense Ratio	1.77
Sharpe Ratio	1.32
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-3 Months (0.2%),3 Months and above(NIL)
Yield to Maturity	7.04%
Effective Maturity	11 Years 8 Months 1 Day
Modified Duration	6 Years 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,116
31 Oct 21	₹11,536
31 Oct 22	₹11,670
31 Oct 23	₹12,346
31 Oct 24	₹13,525

Kotak 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 Kotak 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 28 Nov 24

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	4%
1 Year	8.9%
3 Year	5.3%
5 Year	6.2%
10 Year
15 Year
Since launch	8.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.8%
2022	1.7%
2021	2.4%
2020	12.3%
2019	10.3%
2018	5.2%
2017	0.9%
2016	14.3%
2015	4.6%
2014	15.1%

Fund Manager information for Kotak Bond Fund

Name	Since	Tenure
Abhishek Bisen	15 Apr 08	16.56 Yr.

Data below for Kotak Bond Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	10.19%
Equity	0.33%
Debt	89.24%
Other	0.24%

Debt Sector Allocation

Sector	Value
Government	78.8%
Corporate	16.02%
Cash Equivalent	4.62%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.18 Goi 24072037 Sovereign Bonds \| -	22%	₹469 Cr	45,538,680
07.18 Goi 14082033 Sovereign Bonds \| -	9%	₹188 Cr	18,366,330 ↓ -7,567,000
07.32 Goi 2030 Sovereign Bonds \| -	7%	₹149 Cr	14,500,000 ↑ 2,500,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	7%	₹148 Cr	14,250,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	7%	₹144 Cr	14,142,400
7.34% Govt Stock 2064 Sovereign Bonds \| -	6%	₹140 Cr	13,299,600 ↑ 5,000,000
7.30 Goi 19062053 Sovereign Bonds \| -	6%	₹120 Cr	11,429,820 ↓ -2,500,000
Govt Stock 22092033 Sovereign Bonds \| -	5%	₹113 Cr	11,000,000 ↓ -2,000,000
07.37 Goi 2028 Sovereign Bonds \| -	5%	₹102 Cr	10,000,000
HDFC Bank Limited Debentures \| -	4%	₹76 Cr	7,500

6. Aditya Birla Sun Life Income Fund

(Erstwhile Aditya Birla Sun Life Income Plus)

An Open-ended Income Scheme to generate consistent income through superior yields on its investments at moderate levels of risk through a diversified investment approach. This income may be complemented by price changes of instruments in the portfolio.

Aditya Birla Sun Life Income Fund is a Debt - Medium to Long term fund was launched on 21 Oct 95. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.9% since its launch. Ranked 26 in Medium to Long term category. Return for 2023 was 6.6% , 2022 was 2.4% and 2021 was 4% .

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

Aditya Birla Sun Life Income Fund Growth
Launch Date	21 Oct 95
NAV (28 Nov 24)	₹119.755 ↓ -0.02 (-0.01 %)
Net Assets (Cr)	₹2,181 on 31 Oct 24
Category	Debt - Medium to Long term
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.03
Sharpe Ratio	1.4
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.27%
Effective Maturity	15 Years 2 Months 1 Day
Modified Duration	6 Years 6 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,233
31 Oct 21	₹11,712
31 Oct 22	₹11,900
31 Oct 23	₹12,612
31 Oct 24	₹13,824

Aditya Birla Sun Life Income 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 Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 24

Duration	Returns
1 Month	0.3%
3 Month	1.6%
6 Month	4.1%
1 Year	8.8%
3 Year	5.5%
5 Year	6.6%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.6%
2022	2.4%
2021	4%
2020	12.8%
2019	9.5%
2018	5.1%
2017	2.8%
2016	14.4%
2015	4.6%
2014	16%

Fund Manager information for Aditya Birla Sun Life Income Fund

Name	Since	Tenure
Bhupesh Bameta	6 Aug 20	4.24 Yr.
Dhaval Joshi	21 Nov 22	1.95 Yr.

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

Asset Allocation

Asset Class	Value
Cash	4.3%
Debt	95.47%
Other	0.23%

Debt Sector Allocation

Sector	Value
Government	61.81%
Corporate	33.67%
Cash Equivalent	4.3%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	20%	₹428 Cr	40,682,200 ↓ -500,000
07.18 Goi 24072037 Sovereign Bonds \| -	12%	₹265 Cr	25,793,050
7.30 Goi 19062053 Sovereign Bonds \| -	7%	₹153 Cr	14,579,750
Small Industries Development Bank Of India Debentures \| -	4%	₹85 Cr	850
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹76 Cr	7,500 ↑ 7,500
LIC Housing Finance Ltd Debentures \| -	3%	₹61 Cr	600
07.18 Goi 14082033 Sovereign Bonds \| -	2%	₹54 Cr	5,244,600 ↑ 2,500,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	2%	₹53 Cr	5,106,100
Small Industries Development Bank Of India Debentures \| -	2%	₹53 Cr	530
7.10%Goi 08/04/2034 Sovereign Bonds \| -	2%	₹51 Cr	5,000,000 ↑ 5,000,000

7. Nippon India Income Fund

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 CAGR/Annualized return of 8.3% since its launch. Ranked 28 in Medium to Long term category. Return for 2023 was 6.8% , 2022 was 3.3% and 2021 was 1.2% .

Below is the key information for Nippon India Income Fund

Nippon India Income Fund Growth
Launch Date	1 Jan 98
NAV (28 Nov 24)	₹85.6627 ↑ 0.02 (0.02 %)
Net Assets (Cr)	₹395 on 31 Oct 24
Category	Debt - Medium to Long term
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderate
Expense Ratio	1.43
Sharpe Ratio	1.14
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	6.98%
Effective Maturity	11 Years 11 Months 5 Days
Modified Duration	6 Years 8 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,040
31 Oct 21	₹11,279
31 Oct 22	₹11,490
31 Oct 23	₹12,190
31 Oct 24	₹13,335

Nippon India Income Fund SIP 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 Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 24

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	3.8%
1 Year	8.7%
3 Year	5.6%
5 Year	5.8%
10 Year
15 Year
Since launch	8.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.8%
2022	3.3%
2021	1.2%
2020	10.5%
2019	11.4%
2018	6.1%
2017	2.4%
2016	13.8%
2015	5.1%
2014	14.8%

Fund Manager information for Nippon India Income 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 Income Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	8.57%
Debt	91.21%
Other	0.22%

Debt Sector Allocation

Sector	Value
Government	87.41%
Cash Equivalent	8.57%
Corporate	3.8%

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 ↓ -2,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	15%	₹61 Cr	6,000,000 ↓ -500,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	13%	₹51 Cr	5,000,000 ↑ 2,500,000
7.1% Govt Stock 2029 Sovereign Bonds \| -	11%	₹46 Cr	4,500,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	10%	₹41 Cr	4,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	7%	₹26 Cr	2,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	6%	₹25 Cr	2,500,000
LIC Housing Finance Ltd Debentures \| -	4%	₹15 Cr	150
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹10 Cr	1,000
Indian Railway Finance Corporation Limited Debentures \| -	1%	₹5 Cr	50

8. SBI Magnum Income Fund

To provide the investors an opportunity to earn, in accordance with their requirements, through capital gains or through regular dividends, returns that would be higher than the returns offered by comparable investment avenues through investment in debt & money market securities.

SBI Magnum Income Fund is a Debt - Medium to Long term fund was launched on 25 Nov 98. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.6% since its launch. Ranked 6 in Medium to Long term category. Return for 2023 was 7.2% , 2022 was 3% and 2021 was 3.6% .

Below is the key information for SBI Magnum Income Fund

SBI Magnum Income Fund Growth
Launch Date	25 Nov 98
NAV (28 Nov 24)	₹67.3836 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹1,805 on 31 Oct 24
Category	Debt - Medium to Long term
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.46
Sharpe Ratio	1.15
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity	7.53%
Effective Maturity	13 Years 1 Month 10 Days
Modified Duration	5 Years 11 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,309
31 Oct 21	₹11,778
31 Oct 22	₹12,012
31 Oct 23	₹12,887
31 Oct 24	₹14,013

SBI Magnum Income 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 SBI Magnum Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	4.1%
1 Year	8.4%
3 Year	5.9%
5 Year	6.9%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	3%
2021	3.6%
2020	11.6%
2019	11.7%
2018	4.7%
2017	5.7%
2016	13.4%
2015	6%
2014	12.4%

Fund Manager information for SBI Magnum Income Fund

Name	Since	Tenure
Lokesh Mallya	1 Dec 23	0.92 Yr.
Pradeep Kesavan	1 Dec 23	0.92 Yr.
Adesh Sharma	1 Dec 23	0.92 Yr.

Data below for SBI Magnum Income Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	13.82%
Debt	85.92%
Other	0.25%

Debt Sector Allocation

Sector	Value
Government	51.39%
Corporate	34.54%
Cash Equivalent	13.82%

Credit Quality

Rating	Value
AA	39.58%
AAA	60.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.23% Govt Stock 2039 Sovereign Bonds \| -	16%	₹284 Cr	27,500,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	16%	₹282 Cr	27,000,000 ↓ -5,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	14%	₹260 Cr	25,500,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	6%	₹103 Cr	10,000,000
Torrent Power Limited Debentures \| -	4%	₹77 Cr	7,500
Godrej Properties Limited Debentures \| -	4%	₹75 Cr	7,500
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	4%	₹74 Cr	7,500
Indostar Capital Finance Ltd. Debentures \| -	3%	₹59 Cr	5,900
Avanse Financial Services Ltd. Debentures \| -	3%	₹55 Cr	5,500
Jm Financial Credit Solutions Limited Debentures \| -	3%	₹50 Cr	5,000

9. Canara Robeco Income Fund

(Erstwhile Canara Robeco Income)

To generate income through investment in debt and money market securities of different maturity and issuers of different risk profiles. However, there can be no assurance that the investment objective of the scheme will be realized.

Canara Robeco Income Fund is a Debt - Medium to Long term fund was launched on 19 Sep 02. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.8% since its launch. Return for 2023 was 5.6% , 2022 was 1.6% and 2021 was 1.9% .

Below is the key information for Canara Robeco Income Fund

Canara Robeco Income Fund Growth
Launch Date	19 Sep 02
NAV (28 Nov 24)	₹53.1748 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹120 on 31 Oct 24
Category	Debt - Medium to Long term
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.88
Sharpe Ratio	0.9
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	6.92%
Effective Maturity	11 Years 11 Months 21 Days
Modified Duration	6 Years 1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,992
31 Oct 21	₹11,232
31 Oct 22	₹11,299
31 Oct 23	₹11,876
31 Oct 24	₹12,915

Canara Robeco Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Canara Robeco Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 24

Duration	Returns
1 Month	0.4%
3 Month	1.1%
6 Month	3.6%
1 Year	8.2%
3 Year	4.6%
5 Year	5.2%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	5.6%
2022	1.6%
2021	1.9%
2020	10.1%
2019	10.3%
2018	5.2%
2017	3.5%
2016	12.7%
2015	5.6%
2014	13.9%

Fund Manager information for Canara Robeco Income Fund

Name	Since	Tenure
Avnish Jain	25 Jun 14	10.36 Yr.
Kunal Jain	18 Jul 22	2.29 Yr.

Data below for Canara Robeco Income Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	18.32%
Debt	81.41%
Other	0.27%

Debt Sector Allocation

Sector	Value
Government	77.26%
Cash Equivalent	18.32%
Corporate	4.15%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.30 Goi 19062053 Sovereign Bonds \| -	17%	₹21 Cr	2,000,000 ↓ -1,000,000
7.23% Goi 15/04/2039 Sovereign Bonds \| -	9%	₹10 Cr	1,000,000 ↑ 1,000,000
07.32 Goi 2030 Sovereign Bonds \| -	9%	₹10 Cr	1,000,000 ↓ -500,000
07.18 Goi 24072037 Sovereign Bonds \| -	9%	₹10 Cr	1,000,000 ↓ -500,000
7.10%Goi 08/04/2034 Sovereign Bonds \| -	8%	₹10 Cr	1,000,000 ↑ 500,000
07.04 Goi 03062029 Sovereign Bonds \| -	8%	₹10 Cr	1,000,000 ↓ -500,000
6.79 Goi 2034 Sovereign Bonds \| -	8%	₹10 Cr	1,000,000 ↑ 700,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	4%	₹5 Cr	500,000
Govt Stock 22092033 Sovereign Bonds \| -	4%	₹5 Cr	500,000
Hdb Financial Services Limited Debentures \| -	4%	₹5 Cr	50

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