Table of Contents
एफडी वि डेट म्युच्युअल फंड
एफडी विकर्ज निधी? विचार करत आहेकुठे गुंतवणूक करावी चांगला परतावा मिळविण्यासाठी तुमची बचत. सर्वसाधारणपणे, लोक विचार करतातगुंतवणूक मुदत ठेव किंवा FD हा सर्वात सोयीचा पर्याय आहे कारण तो सुरक्षित आहे आणि निश्चित परतावा देतो. पण तो सर्वोत्तम मार्ग आहे का? जरी मुदत ठेव हा सर्वांसाठी एक सोपा गुंतवणुकीचा पर्याय आहे, तथापि, करपात्र असलेल्या मुदत ठेवींचा परतावा डेट फंडाच्या तुलनेत खूपच कमी असतो. शिवाय, दीर्घ कालावधीसाठी ठेवल्यास, कर्जम्युच्युअल फंड चांगले परतावा देतात. डेट म्युच्युअल फंड किंवा मुदत ठेवींमध्ये गुंतवणूक करण्याचा अंतिम निर्णय घेण्यापूर्वी, या गुंतवणुकीची तपशीलवार तुलना करा.
सारांश:
डेट म्युच्युअल फंड (डेट फंड) विरुद्ध मुदत ठेवी (एफडी)
जोखीम घेण्याची क्षमता आणि अपेक्षित होल्डिंग कालावधी द्वारे आम्हाला हे खंडित करणे आवश्यक आहेगुंतवणूकदार प्रश्नामध्ये.
लहान होल्डिंग कालावधी (1 वर्ष किंवा कमी)
येथे डेट फंडाचे पर्याय मर्यादित असतीललिक्विड फंड, अति-अल्पकालीन निधी आणि अल्पकालीनउत्पन्न निधी रिटर्न्स किंवा उत्पन्न सामान्यतः लिक्विड ते अल्ट्रा-शॉर्ट ते शॉर्ट टर्म फंडात जास्त असते, परंतु या डेट फंड आणि मुदत ठेव यांच्यातील उत्पन्नाचा फरक त्यांच्या मागील एका वर्षातील परताव्याच्या विचारात निश्चित केला जाऊ शकतो.
डेट म्युच्युअल फंड (श्रेणी सरासरी परतावा)
| डेट म्युच्युअल फंडाचा प्रकार | मागील १ वर्ष. परत (%) |
|---|---|
| लिक्विड फंड | ७.३६ |
| अल्ट्रा शॉर्ट-टर्म डेट फंड | ९.१८ |
| अल्पकालीन कर्ज निधी | ९.७८ |
| डायनॅमिक डेट फंड | १३.८९ |
| दीर्घकालीन कर्ज निधी | १३.१९ |
| गिल्ट शॉर्ट टर्म फंड | 11.76 |
| गिल्ट दीर्घकालीन निधी | १५.०६ |
| 20 फेब्रुवारी 2017 पर्यंतचा डेटा |
मुदत ठेव किंवा FD सरासरी परतावा दर
मुदत ठेवींचा सरासरी परतावा दर 8-8.5% p.a पर्यंत आहे. 2016 मध्ये (म्हणून कोणीही वरील परताव्याची टेबलमध्ये तुलना करू शकतो). तथापि, गेल्या एका वर्षात, परताव्याचा दर 6.6-7.5% p.a पर्यंत घसरला आहे.
वरील उदाहरणासह, हे स्पष्ट होते की कर्ज निधीचा परतावा सरासरी दर मुदत ठेवींपेक्षा चांगला आहे.
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दीर्घकालीन होल्डिंग कालावधी
दीर्घ हेतू असलेल्या होल्डिंग कालावधीसह, डेट फंड एफडीपेक्षा चांगले सिद्ध होऊ शकतात.
येथे गुंतवणूक करण्याचे पर्याय असे असतील:
- दीर्घकालीन उत्पन्न निधी
- दीर्घकालीन गिल्ट,
- कॉर्पोरेटबंधन फंड (उच्च उत्पन्न निधी), लिक्विड वर नमूद केलेल्या पर्यायांव्यतिरिक्त, अल्ट्रा-शॉर्ट आणि शॉर्ट टर्म फंड देखील वापरले जाऊ शकतात.
होल्डिंग कालावधी 3 वर्षे किंवा त्याहून अधिक असू शकतो हे लक्षात घेता, आम्ही खालील म्हणू शकतो:
- सहभांडवल इंडेक्सेशन फायद्यांसह 20% वर नफा कर, निव्वळ कर घटना किमान असेल (तथापि, कराच्या वर्षानुसार कर घटनांची गणना केली पाहिजे)
- दीर्घकालीन उत्पन्न निधी/गिल्ट फंड उच्च उत्पन्नासह आणि त्याव्यतिरिक्त, जर व्याजदर कमी झाले तर खूप जास्त परतावा मिळेल.
- या डेट फंड्ससह एखाद्याला उच्च दुहेरी अंकी परतावा मिळू शकतो.
दीर्घकालीन उत्पन्न निधीवरील परताव्याचे खालील उदाहरण घ्या, श्रेणीसाठी मागील 1-वर्षाचा सरासरी परतावा 12.19% आहे आणि शेवटच्या 3 वर्षांचा 10.32% आहे. या कालावधीत कोणत्याही एफडीने असा परतावा दिला नसता. गिल्ट फंडाचा परतावा आणखी जास्त आहे. याच कालावधीत, गेल्या वर्षी बहुतेक बँकांमध्ये एफडीचे दर 8-8.5% प्रतिवर्ष होते, (जरी आज दर 6.5 - 7.5% पर्यंत खाली आले आहेत)
त्यामुळे एखाद्या गुंतवणूकदाराचा दीर्घकालीन होल्डिंग कालावधी आणि व्याजदर कमी होत असताना, डेट फंड (दीर्घकालीन उत्पन्न किंवा गिल्ट) FD पेक्षा अधिक चांगला परतावा देईल. व्याजदर कमी होत नसतानाही, उच्च उत्पन्न कॉर्पोरेट बाँड फंड त्याच कालावधीत एफडीला मागे टाकतील.
डेट म्युच्युअल फंड आणि मुदत ठेवींवर कर आकारणी
डेट फंड आणि फिक्स डिपॉझिट्सचा परतावा निश्चित करण्यातही कर आकारणी महत्त्वाची भूमिका बजावते. सामान्यतः, मुदत ठेवींवर कर आकारणी ३३% (कराचा किरकोळ दर) असते तर डेट फंडांवर जर एखाद्याने ३ वर्षांपेक्षा कमी कालावधीची गुंतवणूक केली तर डीडीटी (लाभांश वितरण कर) वजा केल्यास लाभांश वितरण कर हा अधिक चांगला पर्याय असेल. अंदाजे २५% वर (+अधिभार इ.). हे दर्शविते की डेट म्युच्युअल फंडांवर कर आकारणी मुदत ठेवींपेक्षा तुलनेने कमी आहे.
डेट फंडाचे अतिरिक्त फायदे हे आहेत:
- तरलता: पासून 1-2 दिवसात पैसे उपलब्धविमोचन
- व्यावसायिक व्यवस्थापन: गतिशीलपणे धोरण बदलण्याची आणि बाजारपेठेचा फायदा घेण्याची क्षमता
- मुदतीपूर्वी पैसे काढण्याचा दंड नाही.
सारांश:
| पॅरामीटर्स | म्युच्युअल फंड | मुदत ठेवी |
|---|---|---|
| परताव्याचा दर | खात्रीशीर परतावे नाहीत | निश्चित परतावा |
| महागाई समायोजित परतावा | उच्च चलनवाढ समायोजित परताव्याची संभाव्यता | सहसा कमी चलनवाढ समायोजित परतावा |
| धोका | कमी ते उच्च जोखीम (निधीवर अवलंबून | कमी धोका |
| तरलता | द्रव | द्रव |
| मुदतपूर्व पैसे काढणे | एक्झिट लोड/नो लोडसह परवानगी आहे | दंडासह परवानगी |
| गुंतवणुकीची किंमत | व्यवस्थापन खर्च/खर्चाचे प्रमाण | कोणतीही किंमत नाही |
टॉप 8 सर्वोत्तम कामगिरी करणारे डेट फंड 2022
खाली वरील निव्वळ मालमत्ता/एयूएम असलेल्या डेट फंडांची यादी आहे1000 कोटी आणि 3 वर्षांच्या चक्रवाढीवर क्रमवारी लावली (CAGR) परतावा.
The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to make regular dividend payments to unit holders & secondary objective is growth of capital. Aditya Birla Sun Life Medium Term Plan is a Debt - Medium term Bond fund was launched on 25 Mar 09. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Medium Term Plan Returns up to 1 year are on An Open-ended income scheme with the objective to generate optimal returns with high liquidity through active management of the portfolio by investing in high quality debt and money market instruments. Aditya Birla Sun Life Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 27 Sep 04. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Dynamic Bond Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Long Term Gilt Fund) To generate income through investment in Gilts of various maturities. ICICI Prudential Gilt Fund is a Debt - Government Bond fund was launched on 19 Aug 99. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Gilt Fund Returns up to 1 year are on (Erstwhile SBI Magnum Gilt Fund - Long Term Plan) To provide the investors with returns generated through investments in government securities issued by the Central Government and / or a State Government SBI Magnum Gilt Fund is a Debt - Government Bond fund was launched on 30 Dec 00. It is a fund with Moderate risk and has given a Below is the key information for SBI Magnum Gilt Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Savings Fund) The scheme aims to generate income consistent with the prudent risk from a portfolio comprising floating rate debt instruments, fixed rate debt instruments swapped for floating rate return, and also fixed rate instruments & money market instruments. ICICI Prudential Floating Interest Fund is a Debt - Floating Rate fund was launched on 18 Nov 05. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Floating Interest Fund Returns up to 1 year are on To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. ICICI Prudential Long Term Plan is a Debt - Dynamic Bond fund was launched on 20 Jan 10. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Long Term Plan Returns up to 1 year are on (Erstwhile SBI Corporate Bond Fund) The investment objective will be to actively manage a portfolio of good
quality corporate debt as well as Money Market Instruments so as to provide
reasonable returns and liquidity to the Unit holders. However there is no
guarantee or assurance that the investment objective of the scheme will
be achieved. SBI Credit Risk Fund is a Debt - Credit Risk fund was launched on 19 Jul 04. It is a fund with Moderate risk and has given a Below is the key information for SBI Credit Risk Fund Returns up to 1 year are on (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 Below is the key information for ICICI Prudential Savings Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Medium Term Plan
CAGR/Annualized return of 8.8% since its launch. Ranked 6 in Medium term Bond category. Return for 2024 was 10.5% , 2023 was 6.9% and 2022 was 24.8% . Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (21 Feb 25) ₹38.3872 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹2,128 on 15 Feb 25 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 2.15 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 7.72% Effective Maturity 5 Years 1 Month 20 Days Modified Duration 3 Years 9 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹10,841 31 Jan 22 ₹11,556 31 Jan 23 ₹14,446 31 Jan 24 ₹15,483 31 Jan 25 ₹17,128 Returns for Aditya Birla Sun Life Medium Term Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Feb 25 Duration Returns 1 Month 2.8% 3 Month 4.2% 6 Month 7.8% 1 Year 12.5% 3 Year 13.4% 5 Year 11.7% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.5% 2023 6.9% 2022 24.8% 2021 7.1% 2020 8.1% 2019 -4.4% 2018 5.6% 2017 7% 2016 10.9% 2015 9.5% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 10.43 Yr. Mohit Sharma 6 Aug 20 4.49 Yr. Dhaval Joshi 21 Nov 22 2.2 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 15 Feb 25
Asset Allocation
Asset Class Value Cash 10.56% Equity 3.6% Debt 84.48% Other 1.35% Debt Sector Allocation
Sector Value Government 46.57% Corporate 37.47% Cash Equivalent 10.1% Securitized 0.91% Credit Quality
Rating Value A 5.36% AA 24.22% AAA 67.68% BBB 2.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -26% ₹531 Cr 52,000,000 7.26% Govt Stock 2033
Sovereign Bonds | -10% ₹205 Cr 20,000,000 7.23% Govt Stock 2039
Sovereign Bonds | -3% ₹51 Cr 5,000,000 LIC Housing Finance Limited
Debentures | -2% ₹50 Cr 5,000
↑ 5,000 Adani Airport Holdings Ltd
Debentures | -2% ₹50 Cr 5,300 Creditaccess Grameen Limited
Debentures | -2% ₹50 Cr 500,000 Ncd Small Industries Development Bank Of India
Debentures | -2% ₹50 Cr 5,000
↑ 5,000 Small Industries Development Bank Of India
Debentures | -2% ₹50 Cr 500 JSW Steel Limited
Debentures | -2% ₹50 Cr 500 4.986339% GMR Infrastructure Limited (22/11/2026)
Debentures | -2% ₹49 Cr 4,467 2. Aditya Birla Sun Life Dynamic Bond Fund
CAGR/Annualized return of 7.6% since its launch. Ranked 16 in Dynamic Bond category. Return for 2024 was 8.8% , 2023 was 6.9% and 2022 was 6% . Aditya Birla Sun Life Dynamic Bond Fund
Growth Launch Date 27 Sep 04 NAV (21 Feb 25) ₹44.618 ↓ -0.01 (-0.03 %) Net Assets (Cr) ₹1,747 on 15 Feb 25 Category Debt - Dynamic Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.21 Sharpe Ratio 0.84 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-90 Days (0.5%),90 Days and above(NIL) Yield to Maturity 7.32% Effective Maturity 15 Years 3 Months 29 Days Modified Duration 7 Years 11 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹10,887 31 Jan 22 ₹11,408 31 Jan 23 ₹12,136 31 Jan 24 ₹13,004 31 Jan 25 ₹14,148 Returns for Aditya Birla Sun Life Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Feb 25 Duration Returns 1 Month 0.4% 3 Month 1.8% 6 Month 3.3% 1 Year 7.8% 3 Year 7.4% 5 Year 6.9% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.8% 2023 6.9% 2022 6% 2021 4.9% 2020 9.7% 2019 -0.9% 2018 5.7% 2017 2.2% 2016 14% 2015 7.4% Fund Manager information for Aditya Birla Sun Life Dynamic Bond Fund
Name Since Tenure Mohit Sharma 22 Mar 21 3.87 Yr. Bhupesh Bameta 6 Aug 20 4.49 Yr. Data below for Aditya Birla Sun Life Dynamic Bond Fund as on 15 Feb 25
Asset Allocation
Asset Class Value Cash 3.69% Debt 96.03% Other 0.28% Debt Sector Allocation
Sector Value Government 60.79% Corporate 35.24% Cash Equivalent 3.69% Credit Quality
Rating Value A 2.57% AA 4.82% AAA 92.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.23% Govt Stock 2039
Sovereign Bonds | -20% ₹344 Cr 33,577,900 7.18% Govt Stock 2037
Sovereign Bonds | -16% ₹275 Cr 27,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -14% ₹241 Cr 23,500,000 Power Finance Corporation Limited
Debentures | -12% ₹198 Cr 20,000 Cholamandalam Investment And Finance Company Limited
Debentures | -5% ₹81 Cr 8,000
↑ 8,000 Bharti Telecom Limited
Debentures | -4% ₹76 Cr 7,500 7.34% Govt Stock 2064
Sovereign Bonds | -4% ₹75 Cr 7,314,000 State Bank Of India
Debentures | -4% ₹75 Cr 75 7.25% Govt Stock 2063
Sovereign Bonds | -3% ₹51 Cr 5,000,000 LIC Housing Finance Limited
Debentures | -3% ₹50 Cr 5,000
↑ 5,000 3. ICICI Prudential Gilt Fund
CAGR/Annualized return of 9.4% since its launch. Ranked 5 in Government Bond category. Return for 2024 was 8.2% , 2023 was 8.3% and 2022 was 3.7% . ICICI Prudential Gilt Fund
Growth Launch Date 19 Aug 99 NAV (21 Feb 25) ₹99.0335 ↓ -0.03 (-0.03 %) Net Assets (Cr) ₹6,361 on 31 Jan 25 Category Debt - Government Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.12 Sharpe Ratio 0.81 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.91% Effective Maturity 6 Years 6 Months 4 Days Modified Duration 3 Years 7 Months 13 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹11,227 31 Jan 22 ₹11,533 31 Jan 23 ₹12,099 31 Jan 24 ₹13,151 31 Jan 25 ₹14,230 Returns for ICICI Prudential Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Feb 25 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.4% 1 Year 7.6% 3 Year 7.1% 5 Year 6.8% 10 Year 15 Year Since launch 9.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.2% 2023 8.3% 2022 3.7% 2021 3.8% 2020 12.6% 2019 10.8% 2018 6.8% 2017 2.1% 2016 18.2% 2015 5.5% Fund Manager information for ICICI Prudential Gilt Fund
Name Since Tenure Manish Banthia 22 Jan 24 1.03 Yr. Raunak Surana 22 Jan 24 1.03 Yr. Data below for ICICI Prudential Gilt Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 40.03% Debt 59.97% Debt Sector Allocation
Sector Value Government 59.97% Cash Equivalent 40.03% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -40% ₹2,660 Cr 261,566,000
↓ -30,000,000 7.93% Govt Stock 2033
Sovereign Bonds | -15% ₹1,013 Cr 98,471,700 91 DTB 23012025
Sovereign Bonds | -6% ₹400 Cr 40,000,000 191 DTB 30012025
Sovereign Bonds | -5% ₹297 Cr 29,786,500
↑ 15,000,000 364 Days T - Bill- 06/02/2025
Sovereign Bonds | -3% ₹224 Cr 22,500,000
↑ 10,000,000 91 Days Tbill
Sovereign Bonds | -3% ₹220 Cr 22,000,000 6.89% Govt Stock 2025
Sovereign Bonds | -2% ₹150 Cr 15,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -2% ₹111 Cr 10,830,390 364 Day T-Bill 30.01.25
Sovereign Bonds | -2% ₹100 Cr 10,000,000 182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -2% ₹99 Cr 10,000,000 4. SBI Magnum Gilt Fund
CAGR/Annualized return of 8% since its launch. Ranked 3 in Government Bond category. Return for 2024 was 8.9% , 2023 was 7.6% and 2022 was 4.2% . SBI Magnum Gilt Fund
Growth Launch Date 30 Dec 00 NAV (21 Feb 25) ₹63.8388 ↓ -0.08 (-0.12 %) Net Assets (Cr) ₹11,262 on 31 Jan 25 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 0.65 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.04% Effective Maturity 24 Years 4 Days Modified Duration 9 Years 11 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹11,108 31 Jan 22 ₹11,467 31 Jan 23 ₹12,002 31 Jan 24 ₹12,972 31 Jan 25 ₹14,090 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Feb 25 Duration Returns 1 Month 0.2% 3 Month 1.5% 6 Month 2.5% 1 Year 7.3% 3 Year 7.1% 5 Year 6.6% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.9% 2023 7.6% 2022 4.2% 2021 3% 2020 11.7% 2019 13.1% 2018 5.1% 2017 3.9% 2016 16.3% 2015 7.3% Fund Manager information for SBI Magnum Gilt Fund
Name Since Tenure Rajeev Radhakrishnan 1 Nov 23 1.25 Yr. Tejas Soman 1 Dec 23 1.17 Yr. Data below for SBI Magnum Gilt Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 19.38% Debt 80.62% Debt Sector Allocation
Sector Value Government 80.62% Cash Equivalent 19.38% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -42% ₹4,753 Cr 461,500,000
↓ -10,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -27% ₹3,038 Cr 304,326,300
↓ -54,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -9% ₹1,000 Cr 97,500,000
↓ -5,500,000 7.93% Govt Stock 2033
Sovereign Bonds | -2% ₹216 Cr 21,000,000
↓ -2,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -1% ₹67 Cr 6,500,000
↓ -5,000,000 Treps
CBLO/Reverse Repo | -17% ₹1,968 Cr Net Receivable / Payable
CBLO | -2% ₹212 Cr 6.92% Govt Stock 2039
Sovereign Bonds | -₹0 Cr 00
↓ -57,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -₹0 Cr 00
↓ -21,500,000 5. ICICI Prudential Floating Interest Fund
CAGR/Annualized return of 7.6% since its launch. Ranked 35 in Floating Rate category. Return for 2024 was 8% , 2023 was 7.7% and 2022 was 4.3% . ICICI Prudential Floating Interest Fund
Growth Launch Date 18 Nov 05 NAV (21 Feb 25) ₹411.59 ↑ 0.12 (0.03 %) Net Assets (Cr) ₹7,198 on 31 Jan 25 Category Debt - Floating Rate AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.29 Sharpe Ratio 1.44 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.98% Effective Maturity 5 Years 7 Months 6 Days Modified Duration 1 Year 2 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹10,897 31 Jan 22 ₹11,306 31 Jan 23 ₹11,782 31 Jan 24 ₹12,725 31 Jan 25 ₹13,747 Returns for ICICI Prudential Floating Interest Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Feb 25 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 3.5% 1 Year 8.2% 3 Year 7% 5 Year 6.5% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 8% 2023 7.7% 2022 4.3% 2021 3.8% 2020 9.5% 2019 8.4% 2018 6.6% 2017 6.8% 2016 8.9% 2015 8.1% Fund Manager information for ICICI Prudential Floating Interest Fund
Name Since Tenure Ritesh Lunawat 13 Sep 24 0.39 Yr. Darshil Dedhia 12 Jun 23 1.64 Yr. Data below for ICICI Prudential Floating Interest Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 3.71% Debt 95.86% Other 0.43% Debt Sector Allocation
Sector Value Corporate 51.54% Government 44.32% Cash Equivalent 3.71% Credit Quality
Rating Value AA 28.36% AAA 71.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.93% Govt Stock 2033
Sovereign Bonds | -31% ₹2,302 Cr 223,856,480
↓ -25,714,300 7.53% Govt Stock 2034
Sovereign Bonds | -12% ₹872 Cr 86,446,560
↓ -7,500,000 LIC Housing Finance Limited
Debentures | -5% ₹365 Cr 3,650 Muthoot Finance Limited
Debentures | -3% ₹251 Cr 25,000 Oberoi Realty Ltd.
Debentures | -3% ₹199 Cr 20,000 Mankind Pharma Ltd
Debentures | -2% ₹155 Cr 15,500 Tata Housing Development Company Limited
Debentures | -2% ₹150 Cr 15,000 Tata Housing Development Company Limited 8.2175%
Debentures | -2% ₹125 Cr 12,500 ICICI Home Finance Company Limited
Debentures | -2% ₹125 Cr 12,500 Bharti Telecom Limited
Debentures | -1% ₹105 Cr 1,050 6. ICICI Prudential Long Term Plan
CAGR/Annualized return of 8.8% since its launch. Ranked 1 in Dynamic Bond category. Return for 2024 was 8.2% , 2023 was 7.6% and 2022 was 4.5% . ICICI Prudential Long Term Plan
Growth Launch Date 20 Jan 10 NAV (21 Feb 25) ₹35.6691 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹13,540 on 31 Jan 25 Category Debt - Dynamic Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.36 Sharpe Ratio 1.16 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Months (0.25%),1 Months and above(NIL) Yield to Maturity 7.72% Effective Maturity 5 Years 8 Months 8 Days Modified Duration 3 Years 6 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹11,117 31 Jan 22 ₹11,564 31 Jan 23 ₹12,159 31 Jan 24 ₹13,111 31 Jan 25 ₹14,194 Returns for ICICI Prudential Long Term Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Feb 25 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.7% 1 Year 7.9% 3 Year 7% 5 Year 6.9% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.2% 2023 7.6% 2022 4.5% 2021 4.3% 2020 11.8% 2019 10.2% 2018 6.2% 2017 5.1% 2016 16.9% 2015 5.7% Fund Manager information for ICICI Prudential Long Term Plan
Name Since Tenure Manish Banthia 28 Sep 12 12.35 Yr. Nikhil Kabra 22 Jan 24 1.03 Yr. Data below for ICICI Prudential Long Term Plan as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 13.98% Debt 85.75% Other 0.27% Debt Sector Allocation
Sector Value Government 50.67% Corporate 37.77% Cash Equivalent 11.29% Credit Quality
Rating Value AA 33.26% AAA 66.74% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -38% ₹5,129 Cr 504,431,490 7.93% Govt Stock 2033
Sovereign Bonds | -5% ₹688 Cr 66,848,050 7.53% Govt Stock 2034
Sovereign Bonds | -3% ₹458 Cr 45,460,800 Nirma Limited
Debentures | -2% ₹202 Cr 20,000 Godrej Properties Limited
Debentures | -1% ₹201 Cr 20,000 Oberoi Realty Ltd.
Debentures | -1% ₹199 Cr 20,000 Bharti Telecom Limited
Debentures | -1% ₹161 Cr 16,000 SEIl Energy India Limited
Debentures | -1% ₹149 Cr 15,000 Indostar Capital Finance Limited
Debentures | -1% ₹149 Cr 15,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹129 Cr 1,300 7. SBI Credit Risk Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 3 in Credit Risk category. Return for 2024 was 8.1% , 2023 was 8.3% and 2022 was 4.2% . SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (21 Feb 25) ₹44.1242 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹2,266 on 31 Jan 25 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.56 Sharpe Ratio 1.75 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL) Yield to Maturity 8.74% Effective Maturity 3 Years 18 Days Modified Duration 2 Years 2 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹10,886 31 Jan 22 ₹11,451 31 Jan 23 ₹11,944 31 Jan 24 ₹12,955 31 Jan 25 ₹14,014 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Feb 25 Duration Returns 1 Month 0.7% 3 Month 1.9% 6 Month 3.7% 1 Year 8% 3 Year 7% 5 Year 6.9% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.1% 2023 8.3% 2022 4.2% 2021 5% 2020 9.8% 2019 6.5% 2018 6.2% 2017 6.9% 2016 10.5% 2015 9.7% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 8 Yr. Pradeep Kesavan 1 Dec 23 1.17 Yr. Adesh Sharma 1 Dec 23 1.17 Yr. Data below for SBI Credit Risk Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 10.93% Equity 2.66% Debt 86.07% Other 0.34% Debt Sector Allocation
Sector Value Corporate 71.28% Government 14.79% Cash Equivalent 10.93% Credit Quality
Rating Value A 15.73% AA 67.66% AAA 16.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.23% Govt Stock 2039
Sovereign Bonds | -9% ₹195 Cr 19,000,000 Aadhar Housing Finance Limited
Debentures | -5% ₹112 Cr 11,200 Nirma Limited
Debentures | -5% ₹111 Cr 11,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹107 Cr 11,000 Infopark Properties Ltd.
Debentures | -5% ₹105 Cr 10,500 Century Textiles And Industried Limited
Debentures | -4% ₹85 Cr 8,500
↑ 8,500 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹85 Cr 8,500,000
↑ 4,500,000 Sandur Manganese And Iron Ores Limited (The)
Debentures | -4% ₹83 Cr 8,500 Avanse Financial Services Ltd.
Debentures | -4% ₹80 Cr 8,000 Renserv Global Pvt Ltd.
Debentures | -4% ₹80 Cr 8,000 8. ICICI Prudential Savings Fund
CAGR/Annualized return of 7.7% since its launch. Ranked 11 in Low Duration category. Return for 2024 was 8% , 2023 was 7.6% and 2022 was 4.5% . ICICI Prudential Savings Fund
Growth Launch Date 27 Sep 02 NAV (21 Feb 25) ₹527.379 ↑ 0.11 (0.02 %) Net Assets (Cr) ₹22,337 on 31 Jan 25 Category Debt - Low Duration AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.51 Sharpe Ratio 2.91 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.73% Effective Maturity 1 Year 8 Months 16 Days Modified Duration 10 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹10,809 31 Jan 22 ₹11,235 31 Jan 23 ₹11,742 31 Jan 24 ₹12,666 31 Jan 25 ₹13,669 Returns for ICICI Prudential Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Feb 25 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.7% 1 Year 7.9% 3 Year 7% 5 Year 6.4% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 8% 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% Fund Manager information for ICICI Prudential Savings Fund
Name Since Tenure Nikhil Kabra 13 Sep 24 0.39 Yr. Darshil Dedhia 12 Jun 23 1.64 Yr. Data below for ICICI Prudential Savings Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 39.55% Debt 60.17% Other 0.27% Debt Sector Allocation
Sector Value Corporate 61.91% Cash Equivalent 19.63% Government 18.19% Credit Quality
Rating Value AA 12.68% AAA 87.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.93% Govt Stock 2033
Sovereign Bonds | -6% ₹1,324 Cr 128,719,310 LIC Housing Finance Limited
Debentures | -3% ₹650 Cr 6,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹474 Cr 47,500 7.53% Govt Stock 2034
Sovereign Bonds | -2% ₹470 Cr 46,625,930 Bank of India Ltd.
Debentures | -2% ₹389 Cr 8,000 Bharti Telecom Limited
Debentures | -2% ₹351 Cr 35,000 Small Industries Development Bank Of India
Debentures | -2% ₹348 Cr 35,000 INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -1% ₹331 Cr 333 7.3% Govt Stock 2028
Sovereign Bonds | -1% ₹329 Cr 32,773,600
↑ 10,000,000 Embassy Office Parks Reit
Debentures | -1% ₹300 Cr 30,000
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