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एकरकमी गुंतवणूक 2022 साठी 6 सर्वोत्कृष्ट डेट म्युच्युअल फंड
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.
डेट म्युच्युअल फंडात एकरकमी गुंतवणूक का करावी?
- प्रचलित मुदत ठेवीपेक्षा चांगला परतावा (एफडी) आणिआवर्ती ठेव (RD) सर्व बँकांचे दर
- परतावा कर्ज बाजाराशी जोडलेला असतो
- तात्काळ (T+1)विमोचन ऑनलाइन
- तीन वर्षांच्या परताव्यावर इंडेक्सेशन (कर्ज कर आकारणी फायदे) फायदे
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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
Fund NAV Net Assets (Cr) Min Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Nippon India Credit Risk Fund Growth ₹33.2646
↑ 0.01 ₹995 500 1.9 4.2 8.2 6.6 7.9 8.93% 2Y 2M 1D 2Y 7M 13D ICICI Prudential Regular Savings Fund Growth ₹30.2179
↓ -0.07 ₹6,325 10,000 1.5 4 8.3 6.8 7.2 8.52% 1Y 10M 2D 2Y 4M 10D HDFC Low Duration Fund Growth ₹55.4047
↓ 0.00 ₹18,497 5,000 1.7 3.6 7.4 6.1 7 7.75% 10M 29D 2Y 7D Nippon India Ultra Short Duration Fund Growth ₹3,877.08
↑ 0.36 ₹7,603 100 1.7 3.5 7.2 6.1 6.7 7.72% 5M 7D 6M 9D Kotak Low Duration Fund Growth ₹3,210.96
↑ 0.03 ₹12,509 5,000 1.8 3.6 7.4 5.9 6.7 7.71% 11M 12D 1Y 7M 24D Nippon India Low Duration Fund Growth ₹3,593.29
↑ 0.25 ₹9,369 500 1.8 3.6 7.4 6.1 6.7 7.7% 10M 29D 1Y 2M 9D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Dec 24
(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 Below is the key information for Nippon India Credit Risk Fund Returns up to 1 year are on 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 Below is the key information for ICICI Prudential Regular Savings Fund Returns up to 1 year are on (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 Below is the key information for HDFC Low Duration Fund Returns up to 1 year are on (Erstwhile Reliance Liquid Fund - Cash Plan) The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on 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 Below is the key information for Kotak Low Duration Fund Returns up to 1 year are on (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 Below is the key information for Nippon India Low Duration Fund Returns up to 1 year are on 1. Nippon India Credit Risk Fund
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% . Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (20 Dec 24) ₹33.2646 ↑ 0.01 (0.04 %) Net Assets (Cr) ₹995 on 30 Nov 24 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.63 Sharpe Ratio 3.64 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 8.93% Effective Maturity 2 Years 7 Months 13 Days Modified Duration 2 Years 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹9,391 30 Nov 21 ₹10,702 30 Nov 22 ₹11,113 30 Nov 23 ₹11,966 30 Nov 24 ₹12,960 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.7% 3 Month 1.9% 6 Month 4.2% 1 Year 8.2% 3 Year 6.6% 5 Year 5.3% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Kinjal Desai 25 May 18 6.53 Yr. Sushil Budhia 1 Feb 20 4.84 Yr. Data below for Nippon India Credit Risk Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 6.69% Debt 93.04% Other 0.27% Debt Sector Allocation
Sector Value Corporate 80.18% Government 12.86% Cash Equivalent 6.69% Credit Quality
Rating Value A 20.26% AA 48.62% AAA 31.13% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.32% Govt Stock 2030
Sovereign Bonds | -7% ₹72 Cr 7,000,000 Summit Digitel Infrastructure Limited
Debentures | -6% ₹61 Cr 620 7.1% Govt Stock 2029
Sovereign Bonds | -5% ₹51 Cr 5,000,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹49 Cr 5,000 Century Textiles And Industries Limited
Debentures | -5% ₹45 Cr 4,500 Shriram Housing Finance Limited 9.25%
Debentures | -4% ₹40 Cr 4,000 DLF Cyber City Developers Ltd. 8.4%
Debentures | -4% ₹40 Cr 4,000 Prestige Projects Private Limited 11.75%
Debentures | -4% ₹40 Cr 4,000 Sandur Manganese And Iron Ores Limited (The) 11%
Debentures | -4% ₹40 Cr 4,000 Piramal Capital & Housing Finance Limited
Debentures | -4% ₹37 Cr 485,063 2. ICICI Prudential Regular Savings Fund
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% . ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (20 Dec 24) ₹30.2179 ↓ -0.07 (-0.22 %) Net Assets (Cr) ₹6,325 on 15 Dec 24 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 1.79 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 8.52% Effective Maturity 2 Years 4 Months 10 Days Modified Duration 1 Year 10 Months 2 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,965 30 Nov 21 ₹11,696 30 Nov 22 ₹12,240 30 Nov 23 ₹13,095 30 Nov 24 ₹14,242 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.3% 3 Month 1.5% 6 Month 4% 1 Year 8.3% 3 Year 6.8% 5 Year 7.3% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Manish Banthia 7 Nov 16 8.07 Yr. Akhil Kakkar 22 Jan 24 0.86 Yr. Data below for ICICI Prudential Regular Savings Fund as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 16.72% Equity 1.35% Debt 81.61% Other 0.32% Debt Sector Allocation
Sector Value Corporate 71.84% Government 10.69% Cash Equivalent 10.49% Securitized 5.33% Credit Quality
Rating Value A 13.06% AA 56.66% AAA 30.28% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -5% ₹317 Cr 31,170,730 Embassy Office Parks Reit
Unlisted bonds | -4% ₹284 Cr 7,481,172
↓ -87,373 Varroc Engineering Limited
Debentures | -4% ₹248 Cr 25,000 Millennia Realtors Private Limited
Debentures | -3% ₹210 Cr 2,100 Aadhar Housing Finance Ltd
Debentures | -3% ₹176 Cr 17,500 7.17% Govt Stock 2030
Sovereign Bonds | -2% ₹152 Cr 15,000,000 Nirma Limited
Debentures | -2% ₹152 Cr 15,000 Dlf Home Developers Limited
Debentures | -2% ₹150 Cr 15,000 Yes Bank Limited
Debentures | -2% ₹105 Cr 1,050 JM Financial Home Loans Limited
Debentures | -2% ₹101 Cr 10,000 3. HDFC Low Duration Fund
CAGR/Annualized return of 7.1% since its launch. Return for 2023 was 7% , 2022 was 4.1% and 2021 was 3.7% . HDFC Low Duration Fund
Growth Launch Date 18 Nov 99 NAV (20 Dec 24) ₹55.4047 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹18,497 on 30 Nov 24 Category Debt - Low Duration AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 1.03 Sharpe Ratio 1.45 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 7.75% Effective Maturity 2 Years 7 Days Modified Duration 10 Months 29 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,798 30 Nov 21 ₹11,230 30 Nov 22 ₹11,657 30 Nov 23 ₹12,468 30 Nov 24 ₹13,394 Returns for HDFC Low Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.6% 1 Year 7.4% 3 Year 6.1% 5 Year 6% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Anupam Joshi 27 Oct 15 9.1 Yr. Praveen Jain 6 Oct 22 2.16 Yr. Dhruv Muchhal 22 Jun 23 1.45 Yr. Data below for HDFC Low Duration Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 10.31% Debt 89.41% Other 0.28% Debt Sector Allocation
Sector Value Corporate 68.11% Government 23.3% Cash Equivalent 7.89% Credit Quality
Rating Value AA 12.69% AAA 87.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.93% Govt Stock 2033
Sovereign Bonds | -7% ₹1,291 Cr 125,000,000 7.98% Govt Stock 2031
Sovereign Bonds | -3% ₹510 Cr 50,000,000 7.3% Govt Stock 2028
Sovereign Bonds | -3% ₹504 Cr 50,000,000 Titan Company Limited
Debentures | -3% ₹500 Cr 50,000 Hdb Financial Services Limited
Debentures | -3% ₹451 Cr 45,000 Aditya Birla Renewables Limited
Debentures | -2% ₹376 Cr 37,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹374 Cr 3,750 Power Finance Corporation Ltd.
Debentures | -2% ₹299 Cr 30,000 Small Industries Development Bank Of India
Debentures | -2% ₹275 Cr 2,750 Power Finance Corporation Limited
Debentures | -2% ₹274 Cr 2,750 4. Nippon India Ultra Short Duration Fund
CAGR/Annualized return of 6.1% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2023 was 6.7% , 2022 was 4.6% and 2021 was 7.8% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (20 Dec 24) ₹3,877.08 ↑ 0.36 (0.01 %) Net Assets (Cr) ₹7,603 on 30 Nov 24 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.14 Sharpe Ratio 0.85 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.72% Effective Maturity 6 Months 9 Days Modified Duration 5 Months 7 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,511 30 Nov 21 ₹11,330 30 Nov 22 ₹11,831 30 Nov 23 ₹12,621 30 Nov 24 ₹13,528 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.2% 3 Year 6.1% 5 Year 6.2% 10 Year 15 Year Since launch 6.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.7% 2022 4.6% 2021 7.8% 2020 4.9% 2019 0.9% 2018 7.3% 2017 5.8% 2016 6.8% 2015 7.6% 2014 8.4% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 11.18 Yr. Kinjal Desai 25 May 18 6.53 Yr. Akshay Sharma 1 Dec 22 2 Yr. Data below for Nippon India Ultra Short Duration Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 68.32% Debt 31.48% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 51.11% Corporate 45.09% Government 3.61% Credit Quality
Rating Value AA 14.28% AAA 85.72% Top Securities Holdings / Portfolio
Name Holding Value Quantity 191 DTB 12/12/2024
Sovereign Bonds | -4% ₹349 Cr 35,000,000 182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -4% ₹286 Cr 29,000,000 PNb Housing Finance Limited
Debentures | -3% ₹225 Cr 22,500 Can Fin Homes Limited
Debentures | -3% ₹199 Cr 2,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹199 Cr 2,000 Small Industries Development Bank Of India
Debentures | -3% ₹199 Cr 2,000
↑ 1,000 Indinfravit Trust
Debentures | -2% ₹189 Cr 19,500 Rec Limited
Debentures | -2% ₹182 Cr 1,850 HDFC Credila Financial Services Ltd
Debentures | -1% ₹100 Cr 10,000 Piramal Capital & Housing Finance Ltd
Debentures | -1% ₹100 Cr 10,000 5. Kotak Low Duration Fund
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% . Kotak Low Duration Fund
Growth Launch Date 6 Mar 08 NAV (20 Dec 24) ₹3,210.96 ↑ 0.03 (0.00 %) Net Assets (Cr) ₹12,509 on 30 Nov 24 Category Debt - Low Duration AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.16 Sharpe Ratio 1.05 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.71% Effective Maturity 1 Year 7 Months 24 Days Modified Duration 11 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,807 30 Nov 21 ₹11,189 30 Nov 22 ₹11,594 30 Nov 23 ₹12,358 30 Nov 24 ₹13,262 Returns for Kotak Low Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.6% 1 Year 7.4% 3 Year 5.9% 5 Year 5.8% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Deepak Agrawal 31 Jan 15 9.84 Yr. Manu Sharma 1 Nov 22 2.08 Yr. Data below for Kotak Low Duration Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 25.75% Debt 74.02% Other 0.24% Debt Sector Allocation
Sector Value Corporate 71.41% Government 13.56% Cash Equivalent 13.06% Securitized 1.73% Credit Quality
Rating Value AA 15.02% AAA 84.98% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.93% Govt Stock 2033
Sovereign Bonds | -6% ₹680 Cr 65,871,138 Small Industries Development Bank Of India
Debentures | -4% ₹424 Cr 42,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹305 Cr 30,500 182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -3% ₹295 Cr 30,000,000
↑ 30,000,000 Embassy Office Parks Reit
Debentures | -2% ₹205 Cr 20,500 7.32% Govt Stock 2030
Sovereign Bonds | -2% ₹205 Cr 20,000,000 Bharti Telecom Limited
Debentures | -2% ₹201 Cr 20,000 Aditya Birla Housing Finance Limited
Debentures | -2% ₹201 Cr 20,000 Mankind Pharma Ltd
Debentures | -2% ₹201 Cr 20,000 INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -2% ₹197 Cr 199 6. Nippon India Low Duration Fund
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% . Nippon India Low Duration Fund
Growth Launch Date 20 Mar 07 NAV (20 Dec 24) ₹3,593.29 ↑ 0.25 (0.01 %) Net Assets (Cr) ₹9,369 on 30 Nov 24 Category Debt - Low Duration AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.94 Sharpe Ratio 1.73 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.7% Effective Maturity 1 Year 2 Months 9 Days Modified Duration 10 Months 29 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,746 30 Nov 21 ₹11,191 30 Nov 22 ₹11,628 30 Nov 23 ₹12,402 30 Nov 24 ₹13,318 Returns for Nippon India Low Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.6% 1 Year 7.4% 3 Year 6.1% 5 Year 5.9% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Vivek Sharma 1 Feb 20 4.84 Yr. Kinjal Desai 25 May 18 6.53 Yr. Data below for Nippon India Low Duration Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 38.41% Debt 61.41% Other 0.18% Debt Sector Allocation
Sector Value Corporate 60.6% Cash Equivalent 24.39% Government 14.83% Credit Quality
Rating Value AA 11.69% AAA 88.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -3% ₹245 Cr 24,500 Bharti Telecom Limited 8.65%
Debentures | -2% ₹176 Cr 17,500 Indinfravit Trust
Debentures | -2% ₹174 Cr 18,000
↑ 18,000 Highways Infrastructure Trust
Debentures | -2% ₹172 Cr 1,750 NAOMI 05 2024
Unlisted bonds | -2% ₹163 Cr 10,000 Rural Electrification Corporation Limited
Debentures | -2% ₹160 Cr 16,000 Small Industries Development Bank Of India
Debentures | -2% ₹156 Cr 15,500 India Grid Trust
Debentures | -2% ₹151 Cr 15,000 Hinduja Leyland Finance Limited
Debentures | -2% ₹150 Cr 15,000 191 DTB 12/12/2024
Sovereign Bonds | -2% ₹150 Cr 15,000,000
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.
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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