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एकरकमी गुंतवणूक 2022 साठी 6 सर्वोत्कृष्ट डेट म्युच्युअल फंड

Updated on November 19, 2024 , 46560 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 ₹33.0627
↑ 0.02
₹992 500 2.14.28.26.67.98.88%2Y 2M 19D2Y 8M 5D
ICICI Prudential Regular Savings Fund Growth ₹30.1077
↓ -0.02
₹6,387 10,000 1.94.58.66.87.28.53%1Y 10M 10D2Y 4M 17D
HDFC Low Duration Fund Growth ₹55.1687
↑ 0.01
₹17,719 5,000 1.83.77.5677.79%11M 5D2Y 11D
Aditya Birla Sun Life Savings Fund Growth ₹522.987
↑ 0.15
₹15,098 1,000 1.93.87.76.47.27.78%5M 19D7M 24D
Aditya Birla Sun Life Low Duration Fund Growth ₹627.982
↑ 0.14
₹11,235 1,000 1.83.57.25.96.77.75%11M 1D1Y 3M 29D
Nippon India Ultra Short Duration Fund Growth ₹3,857.51
↑ 0.98
₹8,313 100 1.73.57.26.16.77.73%5M 14D6M 17D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Nov 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 (21 Nov 24) ₹33.0627 ↑ 0.02   (0.06 %)
Net Assets (Cr) ₹992 on 15 Nov 24
Category Debt - Credit Risk
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 1.63
Sharpe Ratio 3.2
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 8.88%
Effective Maturity 2 Years 8 Months 5 Days
Modified Duration 2 Years 2 Months 19 Days

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 21 Nov 24

DurationReturns
1 Month 0.6%
3 Month 2.1%
6 Month 4.2%
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 186.44 Yr.
Sushil Budhia1 Feb 204.75 Yr.

Data below for Nippon India Credit Risk Fund as on 15 Nov 24

Asset Allocation
Asset ClassValue
Cash10.38%
Debt89.36%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate74.41%
Government14.95%
Cash Equivalent10.38%
Credit Quality
RatingValue
A17.72%
AA49.64%
AAA32.64%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.32% Govt Stock 2030
Sovereign Bonds | -
7%₹72 Cr7,000,000
Summit Digitel Infrastructure Limited
Debentures | -
6%₹61 Cr620
7.1% Govt Stock 2029
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
Shriram Housing Finance Limited 9.25%
Debentures | -
4%₹40 Cr4,000
DLF Cyber City Developers Ltd. 8.4%
Debentures | -
4%₹40 Cr4,000
Prestige Projects Private Limited 11.75%
Debentures | -
4%₹40 Cr4,000
Sandur Manganese And Iron Ores Limited (The) 11%
Debentures | -
4%₹40 Cr4,000
↑ 4,000
Piramal Capital & Housing Finance Limited
Debentures | -
4%₹36 Cr485,063

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 (21 Nov 24) ₹30.1077 ↓ -0.02   (-0.08 %)
Net Assets (Cr) ₹6,387 on 31 Oct 24
Category Debt - Credit Risk
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.54
Sharpe Ratio 2.49
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 8.53%
Effective Maturity 2 Years 4 Months 17 Days
Modified Duration 1 Year 10 Months 10 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 21 Nov 24

DurationReturns
1 Month 0.4%
3 Month 1.9%
6 Month 4.5%
1 Year 8.6%
3 Year 6.8%
5 Year 7.4%
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 167.99 Yr.
Akhil Kakkar22 Jan 240.78 Yr.

Data below for ICICI Prudential Regular Savings Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash14.1%
Equity1.91%
Debt83.67%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate75.38%
Government11.17%
Cash Equivalent5.62%
Securitized5.6%
Credit Quality
RatingValue
A13.02%
AA57.04%
AAA29.94%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Embassy Office Parks Reit
Unlisted bonds | -
5%₹303 Cr7,756,117
7.10%Goi 08/04/2034
Sovereign Bonds | -
5%₹291 Cr28,458,830
↑ 4,663,200
Varroc Engineering Limited
Debentures | -
4%₹248 Cr25,000
Millennia Realtors Private Limited
Debentures | -
3%₹210 Cr2,100
Aadhar Housing Finance Ltd
Debentures | -
3%₹176 Cr17,500
7.17% Govt Stock 2030
Sovereign Bonds | -
2%₹153 Cr15,000,000
Nirma Limited
Debentures | -
2%₹151 Cr15,000
Dlf Home Developers Limited
Debentures | -
2%₹150 Cr15,000
HDFC Bank Ltd.
Debentures | -
2%₹122 Cr2,500
Yes Bank Limited
Debentures | -
2%₹105 Cr1,050

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 (21 Nov 24) ₹55.1687 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹17,719 on 31 Oct 24
Category Debt - Low Duration
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 1.03
Sharpe Ratio 1.33
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 7.79%
Effective Maturity 2 Years 11 Days
Modified Duration 11 Months 5 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 21 Nov 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.7%
1 Year 7.5%
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 159.02 Yr.
Praveen Jain6 Oct 222.07 Yr.
Dhruv Muchhal22 Jun 231.36 Yr.

Data below for HDFC Low Duration Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash11.78%
Debt87.96%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate70.83%
Government23.35%
Cash Equivalent5.13%
Credit Quality
RatingValue
AA14.27%
AAA85.73%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Govt Stock 22092033
Sovereign Bonds | -
7%₹1,286 Cr125,000,000
7.98% Govt Stock 2031
Sovereign Bonds | -
3%₹509 Cr50,000,000
Govt Stock 04102028
Sovereign Bonds | -
3%₹503 Cr50,000,000
Titan Company Limited
Debentures | -
3%₹501 Cr50,000
Hdb Financial Services Limited
Debentures | -
2%₹450 Cr45,000
↑ 20,000
Aditya Birla Renewables Limited
Debentures | -
2%₹376 Cr37,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹374 Cr3,750
SANSAR TRUST JULY 2023 II
Unlisted bonds | -
2%₹294 Cr4,500
Small Industries Development Bank Of India
Debentures | -
2%₹275 Cr2,750
Power Finance Corporation Limited
Debentures | -
2%₹274 Cr2,750

4. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch.  Ranked 6 in Ultrashort Bond category.  Return for 2023 was 7.2% , 2022 was 4.8% and 2021 was 3.9% .

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

Aditya Birla Sun Life Savings Fund
Growth
Launch Date 16 Apr 03
NAV (21 Nov 24) ₹522.987 ↑ 0.15   (0.03 %)
Net Assets (Cr) ₹15,098 on 31 Oct 24
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.54
Sharpe Ratio 2.85
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.78%
Effective Maturity 7 Months 24 Days
Modified Duration 5 Months 19 Days

Growth of 10,000 investment over the years.

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

Aditya Birla Sun Life Savings Fund SIP Returns

   
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 Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.8%
1 Year 7.7%
3 Year 6.4%
5 Year 6.1%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.2%
2022 4.8%
2021 3.9%
2020 7%
2019 8.5%
2018 7.6%
2017 7.2%
2016 9.2%
2015 8.9%
2014 9.7%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha20 Jun 1410.38 Yr.
Kaustubh Gupta15 Jul 1113.31 Yr.
Monika Gandhi22 Mar 213.62 Yr.
Dhaval Joshi21 Nov 221.95 Yr.

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

Asset Allocation
Asset ClassValue
Cash36.98%
Debt62.73%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate66.63%
Cash Equivalent21.1%
Government11.99%
Credit Quality
RatingValue
AA30.91%
AAA69.09%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Housing Bank 7.83%
Debentures | -
6%₹820 Cr82,000
Shriram Finance Company Limited
Debentures | -
4%₹601 Cr60,000
↑ 10,000
Nirma Limited
Debentures | -
4%₹501 Cr50,000
Rural Electrification Corporation Limited
Debentures | -
3%₹401 Cr40,000
↓ -10,000
National Housing Bank
Debentures | -
3%₹400 Cr40,000
Tata Realty And Infrastructure Limited
Debentures | -
3%₹360 Cr36,000
Bharti Telecom Limited
Debentures | -
2%₹325 Cr3,250
Govt Stock 04102028
Sovereign Bonds | -
2%₹317 Cr31,500,000
↑ 2,500,000
Bajaj Housing Finance Ltd. 8%
Debentures | -
2%₹301 Cr30,000
Nirma Limited 8.3%
Debentures | -
2%₹250 Cr25,000

5. Aditya Birla Sun Life Low Duration Fund

(Erstwhile Aditya Birla Sun Life Cash Manager)

An Open ended Income scheme with the objective to provide income which is consistent with a portfolio through investments in a basket of debt and money market instruments of very short maturities with a view to provide reasonable returns.

Aditya Birla Sun Life Low Duration Fund is a Debt - Low Duration fund was launched on 14 May 98. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 53 in Low Duration category.  Return for 2023 was 6.7% , 2022 was 4.3% and 2021 was 3.5% .

Below is the key information for Aditya Birla Sun Life Low Duration Fund

Aditya Birla Sun Life Low Duration Fund
Growth
Launch Date 14 May 98
NAV (21 Nov 24) ₹627.982 ↑ 0.14   (0.02 %)
Net Assets (Cr) ₹11,235 on 31 Oct 24
Category Debt - Low Duration
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 1.19
Sharpe Ratio 0.59
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.75%
Effective Maturity 1 Year 3 Months 29 Days
Modified Duration 11 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,774
31 Oct 21₹11,184
31 Oct 22₹11,599
31 Oct 23₹12,373
31 Oct 24₹13,262

Aditya Birla Sun Life 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 Aditya Birla Sun Life 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 21 Nov 24

DurationReturns
1 Month 0.5%
3 Month 1.8%
6 Month 3.5%
1 Year 7.2%
3 Year 5.9%
5 Year 5.8%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2023 6.7%
2022 4.3%
2021 3.5%
2020 7.7%
2019 8.2%
2018 7.2%
2017 6.4%
2016 8.5%
2015 8.1%
2014 9.1%
Fund Manager information for Aditya Birla Sun Life Low Duration Fund
NameSinceTenure
Kaustubh Gupta15 Jul 1113.31 Yr.
Mohit Sharma1 Apr 177.59 Yr.
Dhaval Joshi21 Nov 221.95 Yr.

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

Asset Allocation
Asset ClassValue
Cash31.8%
Debt67.93%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate51.03%
Cash Equivalent31.8%
Government16.9%
Credit Quality
RatingValue
AA14.32%
AAA85.68%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Housing Bank
Debentures | -
4%₹400 Cr40,000
Bharti Telecom Limited
Debentures | -
3%₹310 Cr3,100
National Bank For Agriculture And Rural Development
Debentures | -
3%₹304 Cr30,500
↓ -500
National Housing Bank
Debentures | -
3%₹300 Cr30,000
5.63% Govt Stock 2026
Sovereign Bonds | -
2%₹266 Cr27,000,000
↓ -500,000
Power Finance Corporation Limited
Debentures | -
2%₹264 Cr2,650
National Bank For Agriculture And Rural Development
Debentures | -
2%₹251 Cr25,000
7.93% Govt Stock 2033
Sovereign Bonds | -
2%₹247 Cr24,000,000
182 DTB 13032025
Sovereign Bonds | -
2%₹244 Cr25,000,000
↑ 5,000,000
Belstar Microfinance Limited
Debentures | -
2%₹226 Cr22,600

6. Nippon India Ultra Short Duration Fund

(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 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% .

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund
Growth
Launch Date 7 Dec 01
NAV (21 Nov 24) ₹3,857.51 ↑ 0.98   (0.03 %)
Net Assets (Cr) ₹8,313 on 31 Oct 24
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.14
Sharpe Ratio 0.54
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.73%
Effective Maturity 6 Months 17 Days
Modified Duration 5 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,511
31 Oct 21₹11,363
31 Oct 22₹11,837
31 Oct 23₹12,634
31 Oct 24₹13,540

Nippon India Ultra Short 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 Nippon India Ultra Short 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 21 Nov 24

DurationReturns
1 Month 0.6%
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
YearReturns
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
NameSinceTenure
Vivek Sharma1 Oct 1311.09 Yr.
Kinjal Desai25 May 186.44 Yr.
Akshay Sharma1 Dec 221.92 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash59.39%
Debt40.41%
Other0.2%
Debt Sector Allocation
SectorValue
Cash Equivalent59.39%
Corporate31.4%
Government9.01%
Credit Quality
RatingValue
AA13.94%
AAA86.06%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
191 DTB 12/12/2024
Sovereign Bonds | -
4%₹347 Cr35,000,000
182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -
4%₹285 Cr29,000,000
↑ 29,000,000
PNb Housing Finance Limited
Debentures | -
3%₹225 Cr22,500
National Bank For Agriculture And Rural Development
Debentures | -
3%₹199 Cr2,000
Can Fin Homes Limited
Debentures | -
3%₹199 Cr2,000
Indinfravit Trust
Debentures | -
2%₹189 Cr19,500
Rec Limited
Debentures | -
2%₹182 Cr1,850
HDFC Credila Financial Services Ltd
Debentures | -
1%₹100 Cr10,000
Piramal Capital & Housing Finance Ltd
Debentures | -
1%₹100 Cr10,000
Small Industries Development Bank Of India
Debentures | -
1%₹99 Cr1,000

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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