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एकरकमी गुंतवणूक 2022 साठी 6 सर्वोत्कृष्ट डेट म्युच्युअल फंड

Updated on November 1, 2024 , 46527 views

भारतातील डेट म्युच्युअल फंड योजना गेल्या काही वर्षांत वाढल्या आहेत. परिणामी, सर्वोत्तम कामगिरी करणारे म्युच्युअल डेट फंडबाजार बदलत रहा. क्रिसिल, मॉर्निंग स्टार, ICRA या म्युच्युअल फंड योजनेचा न्याय करण्यासाठी विविध रेटिंग प्रणाली आहेत. या प्रणाली म्युच्युअल फंडाचे परताव्याच्या दृष्टीने मूल्यांकन करतात,प्रमाणित विचलन, सिक्युरिटीजची क्रेडिट गुणवत्ता, RBI द्वारे दर हालचाली मार्गदर्शन, इ.

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डेट म्युच्युअल फंडात एकरकमी गुंतवणूक का करावी?

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बेस्ट लम्पसम डेट म्युच्युअल फंड FY 22 - 23

खाली शीर्ष रँक केलेले फंड आहेतकर्ज श्रेण्यांमध्ये प्रामुख्याने AUM > 500 कोटी असलेले फंड आहेत आणि ते अल्ट्रा-शॉर्ट, कॉर्पोरेट बाँड, क्रेडिट रिस्क, कमी कालावधीच्या उप श्रेण्यांमध्ये आहेत आणि आणि 3 वर्षांपेक्षा कमी कालावधीची परिपक्वता असलेले आणि सर्वाधिक उत्पन्न देणारे आहेत.

शीर्ष 6 एकरकमी डेट म्युच्युअल फंड

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2023 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Nippon India Credit Risk Fund Growth ₹32.9245
↑ 0.00
₹1,020 500 2.14.38.26.67.98.72%2Y 2M 1D2Y 7M 20D
ICICI Prudential Regular Savings Fund Growth ₹30.0897
↑ 0.01
₹6,428 10,000 2.659.26.97.28.6%1Y 8M 12D2Y 2M 8D
HDFC Low Duration Fund Growth ₹54.9575
↑ 0.01
₹17,268 5,000 1.83.77.4677.89%10M 28D2Y 18D
Kotak Low Duration Fund Growth ₹3,184.27
↑ 0.66
₹9,292 5,000 1.93.77.35.76.77.86%11M 8D1Y 10M 6D
Nippon India Low Duration Fund Growth ₹3,561.75
↑ 0.84
₹6,981 500 1.93.77.45.96.77.84%11M 3D1Y 3M 9D
ICICI Prudential Savings Fund Growth ₹516.343
↑ 0.13
₹21,266 500 23.986.47.67.79%10M 2D1Y 9M 25D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Oct 24
*कर्जाची यादीम्युच्युअल फंड निव्वळ मालमत्ता > 500 कोटी आणि निधीकडे किमान 3 वर्षे व्यवस्थापनाखालील मालमत्ता आहे.

1. Nippon India Credit Risk Fund

(Erstwhile Reliance Regular Savings Fund - Debt Plan)

The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & Money Market Instruments.

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

Below is the key information for Nippon India Credit Risk Fund

Nippon India Credit Risk Fund
Growth
Launch Date 8 Jun 05
NAV (31 Oct 24) ₹32.9245 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹1,020 on 30 Sep 24
Category Debt - Credit Risk
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 1.63
Sharpe Ratio 2.29
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 100
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 8.72%
Effective Maturity 2 Years 7 Months 20 Days
Modified Duration 2 Years 2 Months 1 Day

Growth of 10,000 investment over the years.

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

Nippon India Credit Risk Fund SIP Returns

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

Returns for Nippon India Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24

DurationReturns
1 Month 0.6%
3 Month 2.1%
6 Month 4.3%
1 Year 8.2%
3 Year 6.6%
5 Year 5.1%
10 Year
15 Year
Since launch 6.3%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.9%
2022 3.9%
2021 13.5%
2020 -5.9%
2019 1.9%
2018 6.1%
2017 7%
2016 10%
2015 8.8%
2014 11%
Fund Manager information for Nippon India Credit Risk Fund
NameSinceTenure
Kinjal Desai25 May 186.36 Yr.
Sushil Budhia1 Feb 204.67 Yr.

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

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

2. ICICI Prudential Regular Savings Fund

The fund’s objective is to provide reasonable returns, by maintaining an optimum balance of safety, liquidity and yield, through investments in a basket of debt and money market instruments with a view to delivering consistent performance. However, there can be no assurance that the investment objective of the Scheme will be realized.

ICICI Prudential Regular Savings Fund is a Debt - Credit Risk fund was launched on 3 Dec 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.2% since its launch.  Ranked 26 in Credit Risk category.  Return for 2023 was 7.2% , 2022 was 5.1% and 2021 was 6.2% .

Below is the key information for ICICI Prudential Regular Savings Fund

ICICI Prudential Regular Savings Fund
Growth
Launch Date 3 Dec 10
NAV (31 Oct 24) ₹30.0897 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹6,428 on 15 Oct 24
Category Debt - Credit Risk
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.54
Sharpe Ratio 2.08
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity 8.6%
Effective Maturity 2 Years 2 Months 8 Days
Modified Duration 1 Year 8 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹11,006
31 Oct 21₹11,763
31 Oct 22₹12,318
31 Oct 23₹13,172
31 Oct 24₹14,389

ICICI Prudential Regular Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for ICICI Prudential Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24

DurationReturns
1 Month 0.8%
3 Month 2.6%
6 Month 5%
1 Year 9.2%
3 Year 6.9%
5 Year 7.5%
10 Year
15 Year
Since launch 8.2%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.2%
2022 5.1%
2021 6.2%
2020 9.8%
2019 9.5%
2018 6.6%
2017 6.8%
2016 9.5%
2015 9%
2014 11%
Fund Manager information for ICICI Prudential Regular Savings Fund
NameSinceTenure
Manish Banthia7 Nov 167.9 Yr.
Akhil Kakkar22 Jan 240.69 Yr.

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

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

3. HDFC Low Duration Fund

(Erstwhile HDFC Cash Management Fund - Treasury Advantage Plan)

To generate regular income through investment in debt securities and money market instruments.

HDFC Low Duration Fund is a Debt - Low Duration fund was launched on 18 Nov 99. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.1% since its launch.  Return for 2023 was 7% , 2022 was 4.1% and 2021 was 3.7% .

Below is the key information for HDFC Low Duration Fund

HDFC Low Duration Fund
Growth
Launch Date 18 Nov 99
NAV (31 Oct 24) ₹54.9575 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹17,268 on 30 Sep 24
Category Debt - Low Duration
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 1.03
Sharpe Ratio 0.22
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 7.89%
Effective Maturity 2 Years 18 Days
Modified Duration 10 Months 28 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,787
31 Oct 21₹11,263
31 Oct 22₹11,660
31 Oct 23₹12,477
31 Oct 24₹13,406

HDFC Low Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for HDFC Low Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24

DurationReturns
1 Month 0.7%
3 Month 1.8%
6 Month 3.7%
1 Year 7.4%
3 Year 6%
5 Year 6%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7%
2022 4.1%
2021 3.7%
2020 8.1%
2019 8%
2018 6.5%
2017 6.4%
2016 8.6%
2015 7.7%
2014 8.4%
Fund Manager information for HDFC Low Duration Fund
NameSinceTenure
Anupam Joshi27 Oct 158.94 Yr.
Praveen Jain6 Oct 221.99 Yr.
Dhruv Muchhal22 Jun 231.28 Yr.

Data below for HDFC Low Duration Fund as on 30 Sep 24

Asset Allocation
Asset ClassValue
Cash12.29%
Debt86.99%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate70.31%
Government24.18%
Cash Equivalent5.23%
Credit Quality
RatingValue
AA12.18%
AAA87.82%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.93% Govt Stock 2033
Sovereign Bonds | -
7%₹1,283 Cr125,000,000
7.98% Govt Stock 2031
Sovereign Bonds | -
3%₹509 Cr50,000,000
7.72% Govt Stock 2028
Sovereign Bonds | -
3%₹503 Cr50,000,000
Titan Company Limited
Debentures | -
3%₹501 Cr50,000
Aditya Birla Renewables Limited
Debentures | -
2%₹376 Cr37,500
↑ 37,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹374 Cr3,750
SANSAR TRUST JULY 2023 II
Unlisted bonds | -
2%₹293 Cr4,500
Small Industries Development Bank Of India
Debentures | -
2%₹274 Cr2,750
Power Finance Corporation Limited
Debentures | -
2%₹274 Cr2,750
Panatone Finvest Ltd
Debentures | -
2%₹264 Cr5,400

4. Kotak Low Duration Fund

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 Low Duration Fund is a Debt - Low Duration fund was launched on 6 Mar 08. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 10 in Low Duration category.  Return for 2023 was 6.7% , 2022 was 3.9% and 2021 was 3.5% .

Below is the key information for Kotak Low Duration Fund

Kotak Low Duration Fund
Growth
Launch Date 6 Mar 08
NAV (31 Oct 24) ₹3,184.27 ↑ 0.66   (0.02 %)
Net Assets (Cr) ₹9,292 on 30 Sep 24
Category Debt - Low Duration
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.16
Sharpe Ratio -0.25
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.86%
Effective Maturity 1 Year 10 Months 6 Days
Modified Duration 11 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,819
31 Oct 21₹11,234
31 Oct 22₹11,600
31 Oct 23₹12,379
31 Oct 24₹13,285

Kotak Low Duration Fund SIP Returns

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

Returns for Kotak Low Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24

DurationReturns
1 Month 0.7%
3 Month 1.9%
6 Month 3.7%
1 Year 7.3%
3 Year 5.7%
5 Year 5.8%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2023 6.7%
2022 3.9%
2021 3.5%
2020 7.9%
2019 8.3%
2018 7.3%
2017 7.1%
2016 8.9%
2015 9.3%
2014 9.5%
Fund Manager information for Kotak Low Duration Fund
NameSinceTenure
Deepak Agrawal31 Jan 159.67 Yr.
Manu Sharma1 Nov 221.92 Yr.

Data below for Kotak Low Duration Fund as on 30 Sep 24

Asset Allocation
Asset ClassValue
Cash15.72%
Debt83.99%
Other0.29%
Debt Sector Allocation
SectorValue
Corporate76.55%
Government18.23%
Cash Equivalent2.82%
Securitized2.12%
Credit Quality
RatingValue
AA11.78%
AAA88.22%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.93% Govt Stock 2033
Sovereign Bonds | -
7%₹676 Cr65,871,138
Small Industries Development Bank Of India
Debentures | -
5%₹473 Cr47,500
7.32% Govt Stock 2030
Sovereign Bonds | -
4%₹412 Cr40,000,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹304 Cr30,500
↓ -10,000
Embassy Office Parks Reit
Debentures | -
2%₹205 Cr20,500
Bharti Telecom Limited
Debentures | -
2%₹202 Cr20,000
Aditya Birla Housing Finance Limited
Debentures | -
2%₹200 Cr20,000
India Universal Trust AL1
Unlisted bonds | -
2%₹199 Cr199
↑ 199
Sikka Ports And Terminals Limited
Debentures | -
2%₹194 Cr1,970
SANSAR TRUST JULY 2023
Unlisted bonds | -
2%₹190 Cr90

5. Nippon India Low Duration Fund

(Erstwhile Reliance Money Manager Fund)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities.

Nippon India Low Duration Fund is a Debt - Low Duration fund was launched on 20 Mar 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.5% since its launch.  Ranked 31 in Low Duration category.  Return for 2023 was 6.7% , 2022 was 4.2% and 2021 was 4.1% .

Below is the key information for Nippon India Low Duration Fund

Nippon India Low Duration Fund
Growth
Launch Date 20 Mar 07
NAV (31 Oct 24) ₹3,561.75 ↑ 0.84   (0.02 %)
Net Assets (Cr) ₹6,981 on 30 Sep 24
Category Debt - Low Duration
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately Low
Expense Ratio 0.94
Sharpe Ratio 0.44
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.84%
Effective Maturity 1 Year 3 Months 9 Days
Modified Duration 11 Months 3 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,746
31 Oct 21₹11,220
31 Oct 22₹11,627
31 Oct 23₹12,413
31 Oct 24₹13,331

Nippon India Low Duration Fund SIP Returns

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

Returns for Nippon India Low Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24

DurationReturns
1 Month 0.7%
3 Month 1.9%
6 Month 3.7%
1 Year 7.4%
3 Year 5.9%
5 Year 5.9%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2023 6.7%
2022 4.2%
2021 4.1%
2020 7.3%
2019 7%
2018 7.4%
2017 6.6%
2016 8.5%
2015 8.4%
2014 9%
Fund Manager information for Nippon India Low Duration Fund
NameSinceTenure
Vivek Sharma1 Feb 204.67 Yr.
Kinjal Desai25 May 186.36 Yr.

Data below for Nippon India Low Duration Fund as on 30 Sep 24

Asset Allocation
Asset ClassValue
Cash35.22%
Debt64.55%
Other0.23%
Debt Sector Allocation
SectorValue
Corporate49.73%
Cash Equivalent35.22%
Government14.82%
Credit Quality
RatingValue
AA14.93%
AAA85.07%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
4%₹245 Cr24,500
Highways Infrastructure Trust
Debentures | -
2%₹171 Cr1,750
NAOMI 05 2024
Unlisted bonds | -
2%₹169 Cr10,000
Rural Electrification Corporation Limited
Debentures | -
2%₹160 Cr16,000
↑ 6,000
Small Industries Development Bank Of India
Debentures | -
2%₹156 Cr15,500
↑ 5,000
India Grid Trust
Debentures | -
2%₹151 Cr15,000
191 DTB 12/12/2024
Sovereign Bonds | -
2%₹148 Cr15,000,000
↑ 15,000,000
182 DTB 13032025
Sovereign Bonds | -
2%₹141 Cr14,500,000
↑ 14,500,000
PTC - INDIA UNIVERSAL TRUST AL1-SERIES A1
Unlisted bonds | -
2%₹140 Cr140
↑ 140
08.67 MH Sdl 2026
Sovereign Bonds | -
2%₹113 Cr11,000,000

6. ICICI Prudential Savings Fund

(Erstwhile ICICI Prudential Flexible Income Plan)

To generate income through investments in a range of debt instruments and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity.

ICICI Prudential Savings Fund is a Debt - Low Duration fund was launched on 27 Sep 02. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.7% since its launch.  Ranked 11 in Low Duration category.  Return for 2023 was 7.6% , 2022 was 4.5% and 2021 was 3.8% .

Below is the key information for ICICI Prudential Savings Fund

ICICI Prudential Savings Fund
Growth
Launch Date 27 Sep 02
NAV (31 Oct 24) ₹516.343 ↑ 0.13   (0.02 %)
Net Assets (Cr) ₹21,266 on 15 Oct 24
Category Debt - Low Duration
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.51
Sharpe Ratio 1.63
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.79%
Effective Maturity 1 Year 9 Months 25 Days
Modified Duration 10 Months 2 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,825
31 Oct 21₹11,357
31 Oct 22₹11,780
31 Oct 23₹12,663
31 Oct 24₹13,673

ICICI Prudential Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for ICICI Prudential 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 31 Oct 24

DurationReturns
1 Month 0.7%
3 Month 2%
6 Month 3.9%
1 Year 8%
3 Year 6.4%
5 Year 6.5%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.6%
2022 4.5%
2021 3.8%
2020 8.6%
2019 8.8%
2018 7.3%
2017 7.1%
2016 9.1%
2015 8.8%
2014 9.5%
Fund Manager information for ICICI Prudential Savings Fund
NameSinceTenure
Nikhil Kabra13 Sep 240.05 Yr.
Darshil Dedhia12 Jun 231.3 Yr.

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

Asset Allocation
Asset ClassValue
Cash32.05%
Debt67.69%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate68.39%
Government17.7%
Cash Equivalent13.53%
Securitized0.12%
Credit Quality
RatingValue
AA13.31%
AAA86.69%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Govt Stock 22092033
Sovereign Bonds | -
7%₹1,373 Cr133,719,310
LIC Housing Finance Limited
Debentures | -
3%₹650 Cr6,500
Small Industries Development Bank of India
Debentures | -
3%₹548 Cr11,300
8% Govt Stock 2034
Sovereign Bonds | -
2%₹470 Cr46,625,930
Canara Bank
Domestic Bonds | -
2%₹372 Cr7,700
Bharti Telecom Limited
Debentures | -
2%₹351 Cr35,000
PTC- INDIA UNIVERSAL TRUST AL1-SERIES A3
Unlisted bonds | -
2%₹334 Cr333
↑ 333
Bajaj Finance Limited
Debentures | -
2%₹325 Cr3,250
↓ -500
PTC - INDIA UNIVERSAL TRUST AL1-SERIES A1
Unlisted bonds | -
1%₹309 Cr308
↑ 308
Embassy Office Parks Reit
Debentures | -
1%₹300 Cr30,000

डेट फंडांमध्ये शोधण्यासाठी स्मार्ट टिप्स

1. उत्पन्न

उत्पन्न हे व्याजाचे मोजमाप आहेउत्पन्न द्वारे व्युत्पन्नबंध पोर्टफोलिओ मध्ये.

उदाहरणार्थ, बॉण्डमध्ये a आहे असे गृहीत धरूदर्शनी मूल्य 8 टक्के सह INR 100कूपन दर. याचा अर्थ असा की दगुंतवणूकदार त्याने गुंतवलेल्या प्रत्येक बाँडवर INR 8 p.a. मिळतील. बाँड्सची खुल्या बाजारात खरेदी-विक्री होत असल्याने प्रत्येकाच्या किमतीत चढ-उतार होईलव्यवसाय दिवस. व्याजदर वाढतात आणि कमी होतात आणि रोख्यांची मागणी वर आणि खाली जाते. आणि याचा परिणाम रोख्यांच्या किमतीवर होतो. व्याजदर 10 टक्क्यांपर्यंत वाढले असे गृहीत धरू. तरीही गुंतवणूकदार INR 8 मिळवत राहील. त्यामुळे उत्पन्न 10 टक्क्यांपर्यंत वाढवण्यासाठी, जो सध्याचा बाजार व्याजदर आहे, बाँडची किंमत INR 80 वर घसरावी लागेल.

दुसर्‍या उदाहरणात, व्याजदर 6 टक्क्यांपर्यंत घसरले असे समजू. पुन्हा, गुंतवणूकदार INR 8 मिळवणे सुरू ठेवेल. यावेळी बाँडची किंमत INR 133 पर्यंत जावी लागेल.

जर आपण या गृहितकांवर नजर टाकली, तर त्याचे दोन पैलू आहेत- एक म्हणजे उत्पन्न निश्चित नसते, परंतु व्याजदरातील बदलांमध्ये चढ-उतार होते. दुसरे म्हणजे बॉण्डची किंमत व्याजदरांच्या उलट हलते. ते खरेदीदारांना आकर्षित करेल अशी पातळी राखण्यासाठी हलते.

2. परिपक्वतेपर्यंत उत्पन्न

परिपक्वतेपर्यंत उत्पन्न (ytmडेट म्युच्युअल फंडाचे ) फंडाचे चालू उत्पन्न दर्शवते. वर कर्ज निधीची तुलना करतानाआधार YTM च्या, एखाद्याने त्या वस्तुस्थितीकडे देखील लक्ष दिले पाहिजे की अतिरिक्त उत्पन्न कसे निर्माण केले जात आहे. हे कमी पोर्टफोलिओ गुणवत्तेच्या किंमतीवर आहे का?गुंतवणूक इतक्या चांगल्या दर्जाच्या साधनांच्या स्वतःच्या समस्या आहेत. तुम्ही ए मध्ये गुंतवणूक करू इच्छित नाहीकर्ज निधी ज्यामध्ये असे रोखे किंवा सिक्युरिटीज आहेत जे होऊ शकतातडीफॉल्ट नंतर. म्हणून, नेहमी पोर्टफोलिओ उत्पन्न पहा आणि क्रेडिट गुणवत्तेसह ते संतुलित करा.

3. सुधारित कालावधी

सुधारित कालावधी व्याजदरातील बदलासाठी बाँडच्या संवेदनशीलतेचे वाजवी संकेत प्रदान करतो. कालावधी जितका जास्त असेल तितकी जास्त अस्थिरता बॉण्ड व्याजदरात बदल करून दाखवते

4. पोर्टफोलिओची क्रेडिट गुणवत्ता

मध्ये गुंतवणूक करण्यासाठीसर्वोत्तम कर्ज निधी, बॉण्ड्स आणि डेट सिक्युरिटीजची क्रेडिट गुणवत्ता तपासणे हे एक आवश्यक पॅरामीटर आहे. रोखे परत देण्याच्या क्षमतेवर आधारित विविध एजन्सीद्वारे क्रेडिट रेटिंग नियुक्त केले जातात. सह एक बंधनएएए रेटिंग हे सर्वोत्तम क्रेडिट रेटिंग मानले जाते आणि ते सुरक्षित आणि सुरक्षित गुंतवणूक देखील सूचित करते. जर एखाद्याला खरोखरच सुरक्षितता हवी असेल आणि सर्वोत्तम डेट फंड निवडण्यासाठी हे सर्वोत्कृष्ट मापदंड मानत असेल, तर अत्यंत उच्च-गुणवत्तेच्या कर्ज साधनांसह फंडात प्रवेश करणे.(AAA किंवा AA+) इच्छित पर्याय असू शकतो.

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वारंवार विचारले जाणारे प्रश्न

1. डेट फंड मॅनेजर उच्च दर्जाची सुरक्षितता कशी ओळखतात?

अ: डेट फंड मॅनेजरकडे प्रत्येक बाँडचे मूल्यमापन करण्यासाठी आणि कर्जदाराच्या बॉण्डची रक्कम चुकवण्याच्या शक्यतांचे मूल्यांकन करण्यासाठी त्यांचे तंत्र असते. सहसा, क्रेडिट रेटिंग जितकी जास्त असेल तितकी कर्जदाराची चूक होण्याची शक्यता कमी असते.

2. डेट म्युच्युअल फंड कमी-जोखीम का आहे?

अ: डेट म्युच्युअल फंड इतर सिक्युरिटीज आणि बाँड्सशी व्यवहार करतातपैसा बाजार साधने ही साधने अयशस्वी होण्याची शक्यता कमी असते आणि त्यामुळे तुमची गुंतवणूक सुरक्षित राहते, ज्यामुळे डेट म्युच्युअल फंड कमी-जोखीम गुंतवणूक करतात.

3. फंड व्यवस्थापक कमी दर्जाच्या सिक्युरिटीजमध्ये गुंतवणूक करतात का?

अ: होय, काहीवेळा फंड व्यवस्थापक चांगल्या आरओआयची शक्यता असल्यास कमी दर्जाच्या सिक्युरिटीजमध्ये गुंतवणूक करतात. तथापि, तुमच्या फंड मॅनेजरने घेतलेली ही एक मोजणी जोखीम असेल आणि गुंतवणुकीच्या पोर्टफोलिओमध्ये आधीच स्थिर, उच्च-गुणवत्तेच्या सिक्युरिटीज असतील तरच.

4. कोणताही अल्पकालीन कर्ज म्युच्युअल फंड आहे का?

अ: होय, जर तुम्ही एलिक्विड फंड ज्यामध्ये मनी मार्केट इन्स्ट्रुमेंट्समध्ये गुंतवणूक केली जाते ज्याची मुदत 91 दिवसांची असते, त्यानंतर तुम्हाला तुमची गुंतवणूक तीन महिन्यांत कळू शकते. ही एक अल्प-मुदतीची गुंतवणूक आहे जी तुम्ही डेट म्युच्युअल फंडांबद्दल अधिक चांगल्या प्रकारे समजून घेण्यासाठी करू शकता.

5. मी डेट म्युच्युअल फंडात दीर्घकालीन गुंतवणूक करू शकतो का?

अ: होय, तुम्ही डेट म्युच्युअल फंडात दीर्घकालीन गुंतवणूक करू शकता. उदाहरणार्थ, समजा तुम्ही निप्पॉन इंडिया क्रेडिट रिस्क फंड किंवा ICICI प्रुडेन्शियल रेग्युलर सेव्हिंग्स फंडमध्ये गुंतवणूक केली आहे. अशा स्थितीत, जास्तीत जास्त ROI मिळवण्यासाठी तुम्ही तुमची गुंतवणूक किमान एक वर्ष, 5 महिने आणि 19 दिवस आणि 2 वर्षे, एक महिना आणि 2 दिवसांसाठी धरून ठेवणे चांगले. परंतु तुम्ही त्यापलीकडे 3 वर्षांपर्यंत गुंतवणूक ठेवू शकता.

Disclaimer:
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.
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