Table of Contents

मध्यम ते दीर्घ कालावधीचे म्युच्युअल फंड विहंगावलोकन
डेट म्युच्युअल फंडात कर आकारणी
- शॉर्ट टर्म कॅपिटल गेन
- दीर्घकालीन भांडवली नफा
टॉप 11 सर्वोत्तम कामगिरी करणारे मध्यम ते दीर्घ कालावधीचे फंड FY 22 - 23
मध्यम ते दीर्घ कालावधीच्या निधीमध्ये गुंतवणूक कशी करावी?
Top 9 Debt - Medium to Long term

सर्वोत्तम मध्यम ते दीर्घ कालावधीचे फंड 2022

Updated on March 31, 2025 , 2072 views

4 ते 7 वर्षांच्या दरम्यान पैसे गुंतवायचे आहेत, पण नको आहेतबाजार तुमच्या गुंतवणुकीवर परिणाम करणारी अस्थिरता? मग येथे एक फंड आहे जो तुम्हाला पाहणे आवश्यक आहे. मध्यम ते दीर्घ कालावधीचे फंड हा एक प्रकारचा डेट फंड आहे ज्याचा मॅकॉले कालावधी 4 ते 7 वर्षांच्या दरम्यान असतो. म्हणून, जर तुम्हाला तुमच्या संपत्तीतून मध्य ते दीर्घ कालावधीत इष्टतम परतावा मिळवायचा असेल, तर मध्यम ते दीर्घ कालावधीचे फंड तुमच्यासाठी एक आदर्श फंड असू शकतात.

मध्यम ते दीर्घ कालावधीचे म्युच्युअल फंड विहंगावलोकन

मध्यम ते दीर्घ कालावधीचे फंड कर्जामध्ये गुंतवणूक करतात आणिपैसा बाजार 4 ते 7 वर्षे (मॅकॉले कालावधी) दरम्यान सरासरी परिपक्वता असलेली साधने. हे फंड चांगले परतावा देऊ शकतात, परंतु व्याजदरातील बदलांसाठी अधिक संवेदनशील असू शकतात. जेव्हा व्याजदर वाढतो तेव्हा बाँडची किंमत कमी होते आणि त्याउलट. अशा डेट फंडांना व्याजदरातील चढ-उतारांचा सामना करावा लागतो, त्यामुळे ते किमतींना त्रास देतातअंतर्निहित बंध फंड पोर्टफोलिओ मध्ये.

ज्या गुंतवणूकदारांना मध्यम ते दीर्घ कालावधीच्या फंडांमध्ये गुंतवणूक करायची आहे त्यांनी काही प्रमाणात जोखीम सहन करावी, कारण असे डेट फंड पूर्णपणे जोखीममुक्त नसतात. डेट फंडांमध्ये कमी कालावधी, कमी कालावधी, मध्यम कालावधी, मध्यम ते दीर्घ कालावधी आणि दीर्घ कालावधीच्या निधीपासून विविध परिपक्वता योजनांचा पर्याय असतो. डेट फंडातील त्यांच्या गुंतवणुकीतून सर्वोत्तम फायदा मिळवण्यासाठी, गुंतवणूकदारांनी त्यांच्या मुदतपूर्तीच्या कालावधीनुसार गुंतवणूक ठरवणे आवश्यक आहे. म्हटल्याप्रमाणे, जर तुम्ही एक वर्षाची कालमर्यादा पहात असालगुंतवणूक योजना, नंतर, एक लहान कालावधीकर्ज निधी आदर्शपणे सूट करू शकते.

डेट म्युच्युअल फंडामध्ये कर आकारणी

कर्ज निधीवरील कर परिणामाची गणना खालील पद्धतीने केली जाते-

शॉर्ट टर्म कॅपिटल गेन

जर कर्ज गुंतवणुकीचा होल्डिंग कालावधी 36 महिन्यांपेक्षा कमी असेल, तर ती अल्प-मुदतीची गुंतवणूक म्हणून वर्गीकृत केली जाते आणि त्यावर व्यक्तीच्या कर स्लॅबनुसार कर आकारला जातो.

दीर्घकालीन भांडवली नफा

जर कर्ज गुंतवणुकीचा होल्डिंग कालावधी 36 महिन्यांपेक्षा जास्त असेल, तर ती दीर्घकालीन गुंतवणूक म्हणून वर्गीकृत केली जाते आणि इंडेक्सेशन लाभासह 20% कर आकारला जातो.

भांडवल फायदा होतो	गुंतवणूक होल्डिंग नफा	कर आकारणी
अल्पकालीनभांडवली नफा	36 महिन्यांपेक्षा कमी	व्यक्तीच्या कर स्लॅबनुसार
दीर्घकालीन भांडवली नफा	36 महिन्यांहून अधिक	इंडेक्सेशन लाभांसह 20%

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टॉप 11 सर्वोत्तम कामगिरी करणारे मध्यम ते दीर्घ कालावधीचे फंड FY 22 - 23

Fund	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Bond Fund Growth	3.3	4.6	9.8	7.6	8.6	7.32%	5Y 9M 11D	11Y 7M 20D
Aditya Birla Sun Life Income Fund Growth	3.2	4	9.5	6.5	8.4	7.33%	6Y 7M 28D	15Y 5M 5D
HDFC Income Fund Growth	3.4	4	9.5	6.4	9	6.91%	6Y 7M 26D	12Y 2M 16D
LIC MF Bond Fund Growth	2.9	4.3	9.5	7.1	9	7.12%	5Y 10M 20D	7Y 10M 28D
UTI Bond Fund Growth	3.2	4	9.3	9.4	8.5	7.31%	6Y 3M 29D	10Y 3M 14D
Nippon India Income Fund Growth	3.3	3.8	9.2	7.2	8.1	7.13%	6Y 5M 23D	11Y 10M 13D
SBI Magnum Income Fund Growth	2.9	3.8	9	7	8.1	7.58%	5Y 8M 8D	9Y 8M 19D
Kotak Bond Fund Growth	3	3.5	9	6.5	8.2	7%	6Y 6M 4D	12Y 7M 24D
Canara Robeco Income Fund Growth	2.8	3.3	8.4	5.8	7.6	6.9%	6Y 5M 27D	13Y 16D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Apr 25

1. 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 2024 was 8.6% , 2023 was 7.7% and 2022 was 3.1% .

Below is the key information for ICICI Prudential Bond Fund

ICICI Prudential Bond Fund Growth
Launch Date	18 Aug 08
NAV (03 Apr 25)	₹39.6571 ↓ -0.01 (-0.03 %)
Net Assets (Cr)	₹2,928 on 15 Mar 25
Category	Debt - Medium to Long term
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.11
Sharpe Ratio	0.64
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	7.32%
Effective Maturity	11 Years 7 Months 20 Days
Modified Duration	5 Years 9 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,786
31 Mar 22	₹11,143
31 Mar 23	₹11,673
31 Mar 24	₹12,662
31 Mar 25	₹13,796

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 3 Apr 25

Duration	Returns
1 Month	2.2%
3 Month	3.3%
6 Month	4.6%
1 Year	9.8%
3 Year	7.6%
5 Year	6.8%
10 Year
15 Year
Since launch	8.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8.6%
2022	7.7%
2021	3.1%
2020	2.9%
2019	11.5%
2018	10.9%
2017	4.6%
2016	5.3%
2015	11.3%
2014	8.5%

Fund Manager information for ICICI Prudential Bond Fund

Name	Since	Tenure
Darshil Dedhia	22 Jan 24	1.11 Yr.
Rohit Lakhotia	12 Jun 23	1.72 Yr.

Data below for ICICI Prudential Bond Fund as on 15 Mar 25

Asset Allocation

Asset Class	Value
Cash	7.18%
Debt	92.54%
Other	0.29%

Debt Sector Allocation

Sector	Value
Government	60.68%
Corporate	31.85%
Cash Equivalent	7.18%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	23%	₹682 Cr	66,681,600 ↓ -22,500,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	14%	₹407 Cr	39,206,000 ↑ 10,000,000
7.93% Govt Stock 2033 Sovereign Bonds \| -	7%	₹208 Cr	20,245,450 ↓ -454,550
LIC Housing Finance Limited Debentures \| -	6%	₹162 Cr	1,600
HDFC Bank Limited Debentures \| -	5%	₹134 Cr	13,200
Summit Digitel Infrastructure Ltd Debentures \| -	4%	₹118 Cr	11,650
HDFC Bank Limited Debentures \| -	4%	₹106 Cr	1,100
7.02% Govt Stock 2031 Sovereign Bonds \| -	3%	₹81 Cr	8,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	3%	₹76 Cr	7,500,000
Pipeline Infrastructure Private Limited Debentures \| -	3%	₹75 Cr	7,400

2. 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 2024 was 8.4% , 2023 was 6.6% and 2022 was 2.4% .

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 (03 Apr 25)	₹124.349 ↓ -0.04 (-0.03 %)
Net Assets (Cr)	₹2,209 on 28 Feb 25
Category	Debt - Medium to Long term
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.03
Sharpe Ratio	0.13
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.33%
Effective Maturity	15 Years 5 Months 5 Days
Modified Duration	6 Years 7 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,832
31 Mar 22	₹11,427
31 Mar 23	₹11,777
31 Mar 24	₹12,646
31 Mar 25	₹13,733

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 3 Apr 25

Duration	Returns
1 Month	2.6%
3 Month	3.2%
6 Month	4%
1 Year	9.5%
3 Year	6.5%
5 Year	6.7%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8.4%
2022	6.6%
2021	2.4%
2020	4%
2019	12.8%
2018	9.5%
2017	5.1%
2016	2.8%
2015	14.4%
2014	4.6%

Fund Manager information for Aditya Birla Sun Life Income Fund

Name	Since	Tenure
Bhupesh Bameta	6 Aug 20	4.57 Yr.

Data below for Aditya Birla Sun Life Income Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	5.7%
Debt	94.03%
Other	0.27%

Debt Sector Allocation

Sector	Value
Government	61.66%
Corporate	33.85%
Cash Equivalent	4.23%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	24%	₹525 Cr	50,609,900 ↑ 700,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	9%	₹203 Cr	19,731,100
7.18% Govt Stock 2033 Sovereign Bonds \| -	8%	₹187 Cr	18,244,600 ↓ -3,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	4%	₹91 Cr	9,000,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	4%	₹78 Cr	7,606,100
Small Industries Development Bank Of India Debentures \| -	3%	₹75 Cr	750
LIC Housing Finance Ltd Debentures \| -	3%	₹60 Cr	600
Small Industries Development Bank Of India Debentures \| -	3%	₹60 Cr	600
Small Industries Development Bank Of India Debentures \| -	2%	₹53 Cr	530
Bajaj Finance Ltd. 7.93% Debentures \| -	2%	₹51 Cr	5,000

3. 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 7.4% since its launch. Ranked 29 in Medium to Long term category. Return for 2024 was 9% , 2023 was 6.1% and 2022 was 0.9% .

Below is the key information for HDFC Income Fund

HDFC Income Fund Growth
Launch Date	11 Sep 00
NAV (03 Apr 25)	₹57.5816 ↓ -0.03 (-0.06 %)
Net Assets (Cr)	₹870 on 28 Feb 25
Category	Debt - Medium to Long term
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.53
Sharpe Ratio	0.28
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	6.91%
Effective Maturity	12 Years 2 Months 16 Days
Modified Duration	6 Years 7 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,557
31 Mar 22	₹10,852
31 Mar 23	₹11,123
31 Mar 24	₹11,985
31 Mar 25	₹13,007

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 3 Apr 25

Duration	Returns
1 Month	2.5%
3 Month	3.4%
6 Month	4%
1 Year	9.5%
3 Year	6.4%
5 Year	5.5%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	9%
2022	6.1%
2021	0.9%
2020	2.1%
2019	9.3%
2018	8.7%
2017	3.6%
2016	1.3%
2015	14.5%
2014	5.3%

Fund Manager information for HDFC Income Fund

Name	Since	Tenure
Shobhit Mehrotra	11 Sep 07	17.48 Yr.
Dhruv Muchhal	22 Jun 23	1.69 Yr.

Data below for HDFC Income Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	6.19%
Debt	93.54%
Other	0.27%

Debt Sector Allocation

Sector	Value
Government	81.19%
Corporate	11.91%
Cash Equivalent	6.19%
Securitized	0.44%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	20%	₹175 Cr	17,000,000
7.41% Govt Stock 2036 Sovereign Bonds \| -	12%	₹105 Cr	10,000,000
7.54% Govt Stock 2036 Sovereign Bonds \| -	11%	₹100 Cr	9,500,000
7.23% Government Of India (15/04/2039) Sovereign Bonds \| -	9%	₹78 Cr	7,500,000
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	5%	₹40 Cr	4,000,000
Ntpc Limited Debentures \| -	3%	₹26 Cr	250
7.59% Govt Stock 2031 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000
7.53% Govt Stock 2034 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹25 Cr	250
6.68% Govt Stock 2031 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000

4. 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 2024 was 9% , 2023 was 6.5% and 2022 was 2.8% .

Below is the key information for LIC MF Bond Fund

LIC MF Bond Fund Growth
Launch Date	15 Sep 99
NAV (03 Apr 25)	₹71.3334 ↑ 0.06 (0.08 %)
Net Assets (Cr)	₹192 on 15 Mar 25
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	0.46
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	7.12%
Effective Maturity	7 Years 10 Months 28 Days
Modified Duration	5 Years 10 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,540
31 Mar 22	₹10,788
31 Mar 23	₹11,246
31 Mar 24	₹12,113
31 Mar 25	₹13,177

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 3 Apr 25

Duration	Returns
1 Month	2.2%
3 Month	2.9%
6 Month	4.3%
1 Year	9.5%
3 Year	7.1%
5 Year	5.8%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	9%
2022	6.5%
2021	2.8%
2020	1.3%
2019	8.8%
2018	9.7%
2017	4.9%
2016	2.2%
2015	12.3%
2014	5.6%

Fund Manager information for LIC MF Bond Fund

Name	Since	Tenure
Marzban Irani	10 Aug 16	8.65 Yr.
Pratik Shroff	26 Sep 23	1.51 Yr.

Data below for LIC MF Bond Fund as on 15 Mar 25

Asset Allocation

Asset Class	Value
Cash	2.72%
Debt	97.02%
Other	0.26%

Debt Sector Allocation

Sector	Value
Government	86.11%
Corporate	10.91%
Cash Equivalent	2.72%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	24%	₹47 Cr	4,450,000
07.70 MH Sgs 2033 Sovereign Bonds \| -	22%	₹41 Cr	4,000,000
07.80 GJ Sdl 2032 Sovereign Bonds \| -	14%	₹26 Cr	2,500,000
07.64 MH Sgs 2032 Sovereign Bonds \| -	8%	₹16 Cr	1,500,000
07.71 MH Sdl 2033 Sovereign Bonds \| -	7%	₹13 Cr	1,250,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	7%	₹13 Cr	1,250,000
HDFC Bank Limited Debentures \| -	6%	₹11 Cr	100
Reliance Utilities And Power Private Limited Debentures \| -	5%	₹10 Cr	1,000
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	3%	₹5 Cr	500,000 ↓ -200,000
07.72 MH Sdl 2034 Sovereign Bonds \| -	2%	₹3 Cr	300,000

5. 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 2024 was 8.5% , 2023 was 6.4% and 2022 was 9.9% .

Below is the key information for UTI Bond Fund

UTI Bond Fund Growth
Launch Date	4 May 98
NAV (03 Apr 25)	₹72.5465 ↑ 0.02 (0.03 %)
Net Assets (Cr)	₹312 on 28 Feb 25
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	0.22
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.31%
Effective Maturity	10 Years 3 Months 14 Days
Modified Duration	6 Years 3 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,691
31 Mar 22	₹11,741
31 Mar 23	₹13,145
31 Mar 24	₹14,100
31 Mar 25	₹15,288

UTI Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148 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 3 Apr 25

Duration	Returns
1 Month	2.3%
3 Month	3.2%
6 Month	4%
1 Year	9.3%
3 Year	9.4%
5 Year	9%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8.5%
2022	6.4%
2021	9.9%
2020	9.4%
2019	1.1%
2018	-5.8%
2017	4%
2016	3.6%
2015	13.9%
2014	6.3%

Fund Manager information for UTI Bond Fund

Name	Since	Tenure
Sunil Patil	17 Apr 23	1.96 Yr.

Data below for UTI Bond Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	3.6%
Debt	96.13%
Other	0.27%

Debt Sector Allocation

Sector	Value
Government	57.79%
Corporate	38.34%
Cash Equivalent	3.6%

Credit Quality

Rating	Value
AA	11.67%
AAA	88.33%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	38%	₹120 Cr	1,190,000,000 ↓ -10,000,000
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	16%	₹50 Cr	500,000,000
LIC Housing Finance Limited Debentures \| -	8%	₹25 Cr	250
Hdb Financial Services Ltd. Debentures \| -	8%	₹25 Cr	250
Jamnagar Utilities And Power Private Limited Debentures \| -	6%	₹20 Cr	2,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	5%	₹15 Cr	1,500
Aditya Birla Renewables Limited Debentures \| -	5%	₹15 Cr	1,500
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	5%	₹15 Cr	15
07.78 RJ Sdl 2033 Sovereign Bonds \| -	2%	₹5 Cr	50,000,000
07.74 MH Sgs 2033 Sovereign Bonds \| -	2%	₹5 Cr	50,000,000

6. 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 8.4% since its launch. Ranked 28 in Medium to Long term category. Return for 2024 was 8.1% , 2023 was 6.8% and 2022 was 3.3% .

Below is the key information for Nippon India Income Fund

Nippon India Income Fund Growth
Launch Date	1 Jan 98
NAV (03 Apr 25)	₹88.8881 ↓ -0.10 (-0.11 %)
Net Assets (Cr)	₹411 on 28 Feb 25
Category	Debt - Medium to Long term
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderate
Expense Ratio	1.43
Sharpe Ratio	-0.03
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-15 Days (0.25%),15 Days and above(NIL)
Yield to Maturity	7.13%
Effective Maturity	11 Years 10 Months 13 Days
Modified Duration	6 Years 5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,541
31 Mar 22	₹10,831
31 Mar 23	₹11,363
31 Mar 24	₹12,246
31 Mar 25	₹13,263

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 3 Apr 25

Duration	Returns
1 Month	2.5%
3 Month	3.3%
6 Month	3.8%
1 Year	9.2%
3 Year	7.2%
5 Year	5.9%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8.1%
2022	6.8%
2021	3.3%
2020	1.2%
2019	10.5%
2018	11.4%
2017	6.1%
2016	2.4%
2015	13.8%
2014	5.1%

Fund Manager information for Nippon India Income Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.16 Yr.
Kinjal Desai	25 May 18	6.85 Yr.

Data below for Nippon India Income Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	14.95%
Debt	84.8%
Other	0.26%

Debt Sector Allocation

Sector	Value
Government	66.88%
Corporate	17.92%
Cash Equivalent	14.95%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.09% Govt Stock 2054 Sovereign Bonds \| -	22%	₹91 Cr	9,000,000 ↑ 4,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	20%	₹83 Cr	8,000,000 ↑ 3,500,000
7.12% State Government Of Maharashtra 2036 Sovereign Bonds \| -	12%	₹50 Cr	5,000,000 ↑ 5,000,000
7.1% Govt Stock 2029 Sovereign Bonds \| -	6%	₹25 Cr	2,500,000
Small Industries Development Bank Of India Debentures \| -	6%	₹25 Cr	2,500
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹25 Cr	2,500
Tata Capital Limited Debentures \| -	6%	₹25 Cr	25
LIC Housing Finance Ltd Debentures \| -	2%	₹10 Cr	100
Power Finance Corporation Limited Debentures \| -	2%	₹10 Cr	100
Indian Railway Finance Corporation Limited Debentures \| -	1%	₹5 Cr	50

7. 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 2024 was 8.1% , 2023 was 7.2% and 2022 was 3% .

Below is the key information for SBI Magnum Income Fund

SBI Magnum Income Fund Growth
Launch Date	25 Nov 98
NAV (03 Apr 25)	₹69.7029 ↓ -0.04 (-0.05 %)
Net Assets (Cr)	₹1,905 on 15 Mar 25
Category	Debt - Medium to Long term
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.46
Sharpe Ratio	0.25
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	7.58%
Effective Maturity	9 Years 8 Months 19 Days
Modified Duration	5 Years 8 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,810
31 Mar 22	₹11,246
31 Mar 23	₹11,747
31 Mar 24	₹12,664
31 Mar 25	₹13,698

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 3 Apr 25

Duration	Returns
1 Month	2.1%
3 Month	2.9%
6 Month	3.8%
1 Year	9%
3 Year	7%
5 Year	6.6%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8.1%
2022	7.2%
2021	3%
2020	3.6%
2019	11.6%
2018	11.7%
2017	4.7%
2016	5.7%
2015	13.4%
2014	6%

Fund Manager information for SBI Magnum Income Fund

Name	Since	Tenure
Lokesh Mallya	1 Dec 23	1.33 Yr.
Adesh Sharma	1 Dec 23	1.33 Yr.

Data below for SBI Magnum Income Fund as on 15 Mar 25

Asset Allocation

Asset Class	Value
Cash	11.37%
Debt	88.36%
Other	0.27%

Debt Sector Allocation

Sector	Value
Government	51.93%
Corporate	37.67%
Cash Equivalent	10.13%

Credit Quality

Rating	Value
AA	35.5%
AAA	64.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	27%	₹508 Cr	50,500,000
7.23% Government Of India (15/04/2039) Sovereign Bonds \| -	15%	₹284 Cr	27,500,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	8%	₹145 Cr	14,000,000
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%	₹73 Cr	7,500
National Highways Infra Trust Debentures \| -	3%	₹60 Cr	12,500
Indostar Capital Finance Ltd. Debentures \| -	3%	₹59 Cr	5,900
Avanse Financial Services Ltd. Debentures \| -	3%	₹55 Cr	5,500
7.34% Govt Stock 2064 Sovereign Bonds \| -	3%	₹52 Cr	5,000,000

8. 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 2024 was 8.2% , 2023 was 6.8% and 2022 was 1.7% .

Below is the key information for Kotak Bond Fund

Kotak Bond Fund Growth
Launch Date	25 Nov 99
NAV (03 Apr 25)	₹75.8664 ↓ -0.04 (-0.05 %)
Net Assets (Cr)	₹2,134 on 28 Feb 25
Category	Debt - Medium to Long term
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆
Risk	Moderate
Expense Ratio	1.77
Sharpe Ratio	0.02
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%
Effective Maturity	12 Years 7 Months 24 Days
Modified Duration	6 Years 6 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,681
31 Mar 22	₹11,137
31 Mar 23	₹11,480
31 Mar 24	₹12,367
31 Mar 25	₹13,359

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 3 Apr 25

Duration	Returns
1 Month	2.3%
3 Month	3%
6 Month	3.5%
1 Year	9%
3 Year	6.5%
5 Year	6.1%
10 Year
15 Year
Since launch	8.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8.2%
2022	6.8%
2021	1.7%
2020	2.4%
2019	12.3%
2018	10.3%
2017	5.2%
2016	0.9%
2015	14.3%
2014	4.6%

Fund Manager information for Kotak Bond Fund

Name	Since	Tenure
Abhishek Bisen	15 Apr 08	16.97 Yr.

Data below for Kotak Bond Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	8.4%
Equity	0.35%
Debt	90.97%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	81.59%
Corporate	9.39%
Cash Equivalent	8.4%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.02% Govt Stock 2031 Sovereign Bonds \| -	17%	₹337 Cr	33,142,400
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	12%	₹247 Cr	24,500,000 ↓ -10,000,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	11%	₹221 Cr	21,440,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	10%	₹209 Cr	20,750,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	8%	₹165 Cr	15,929,820
7.34% Govt Stock 2064 Sovereign Bonds \| -	8%	₹159 Cr	15,299,600 ↓ -500,000
7.37% Govt Stock 2028 Sovereign Bonds \| -	5%	₹102 Cr	10,000,000
Power Finance Corporation Limited Debentures \| -	2%	₹51 Cr	510,900
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹50 Cr	5,000
Gs CG 25/11/2032 - (Strips) Strips Sovereign Bonds \| -	1%	₹28 Cr	4,679,400

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 7.9% since its launch. Return for 2024 was 7.6% , 2023 was 5.6% and 2022 was 1.6% .

Below is the key information for Canara Robeco Income Fund

Canara Robeco Income Fund Growth
Launch Date	19 Sep 02
NAV (03 Apr 25)	₹54.9542 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹119 on 15 Mar 25
Category	Debt - Medium to Long term
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.88
Sharpe Ratio	-0.28
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	6.9%
Effective Maturity	13 Years 16 Days
Modified Duration	6 Years 5 Months 27 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,634
31 Mar 22	₹10,916
31 Mar 23	₹11,245
31 Mar 24	₹11,968
31 Mar 25	₹12,879

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 3 Apr 25

Duration	Returns
1 Month	2.2%
3 Month	2.8%
6 Month	3.3%
1 Year	8.4%
3 Year	5.8%
5 Year	5.3%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.6%
2022	5.6%
2021	1.6%
2020	1.9%
2019	10.1%
2018	10.3%
2017	5.2%
2016	3.5%
2015	12.7%
2014	5.6%

Fund Manager information for Canara Robeco Income Fund

Name	Since	Tenure
Avnish Jain	25 Jun 14	10.77 Yr.
Kunal Jain	18 Jul 22	2.7 Yr.

Data below for Canara Robeco Income Fund as on 15 Mar 25

Asset Allocation

Asset Class	Value
Cash	25.52%
Debt	74.19%
Other	0.29%

Debt Sector Allocation

Sector	Value
Government	74.19%
Cash Equivalent	25.52%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2053 Sovereign Bonds \| -	17%	₹21 Cr	2,000,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	13%	₹15 Cr	1,500,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	9%	₹10 Cr	1,000,000
7.23% Government Of India (15/04/2039) Sovereign Bonds \| -	9%	₹10 Cr	1,000,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	9%	₹10 Cr	1,000,000 ↓ -500,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	9%	₹10 Cr	1,000,000 ↑ 1,000,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	4%	₹5 Cr	500,000
6.79% Govt Stock 2031 Sovereign Bonds \| -	4%	₹5 Cr	500,000
Hdb Financial Services Limited Debentures \| -	4%	₹5 Cr	50
Treasury Bills Sovereign Bonds \| -	1%	₹1 Cr	100,000

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