Table of Contents
ਐਫਡੀ ਬਨਾਮ ਕਰਜ਼ਾ ਮਿਉਚੁਅਲ ਫੰਡ
ਐੱਫ.ਡੀ ਬਨਾਮਕਰਜ਼ਾ ਫੰਡ? ਸੋਚਣਾਕਿੱਥੇ ਨਿਵੇਸ਼ ਕਰਨਾ ਹੈ ਚੰਗੀ ਰਿਟਰਨ ਕਮਾਉਣ ਲਈ ਤੁਹਾਡੀ ਬਚਤ। ਆਮ ਤੌਰ 'ਤੇ, ਲੋਕ ਵਿਚਾਰ ਕਰਦੇ ਹਨਨਿਵੇਸ਼ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਜਾਂ FD ਵਿੱਚ ਸਭ ਤੋਂ ਸੁਵਿਧਾਜਨਕ ਵਿਕਲਪ ਹੈ ਕਿਉਂਕਿ ਇਹ ਸੁਰੱਖਿਅਤ ਹੈ ਅਤੇ ਸਥਿਰ ਰਿਟਰਨ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦਾ ਹੈ। ਪਰ ਕੀ ਇਹ ਸਭ ਤੋਂ ਵਧੀਆ ਤਰੀਕਾ ਹੈ? ਹਾਲਾਂਕਿ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਸਾਰਿਆਂ ਲਈ ਇੱਕ ਆਸਾਨ ਨਿਵੇਸ਼ ਵਿਕਲਪ ਹੈ, ਹਾਲਾਂਕਿ, ਟੈਕਸਯੋਗ ਹੋਣ ਵਾਲੀ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਦੇ ਰਿਟਰਨ ਇੱਕ ਕਰਜ਼ਾ ਫੰਡ ਦੇ ਮੁਕਾਬਲੇ ਬਹੁਤ ਘੱਟ ਹਨ। ਇਸ ਤੋਂ ਇਲਾਵਾ, ਜਦੋਂ ਲੰਬੇ ਸਮੇਂ ਲਈ ਰੱਖੀ ਜਾਂਦੀ ਹੈ, ਕਰਜ਼ਾਮਿਉਚੁਅਲ ਫੰਡ ਚੰਗੀ ਰਿਟਰਨ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦਾ ਹੈ. ਕਰਜ਼ੇ ਦੇ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਜਾਂ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ ਦਾ ਅੰਤਿਮ ਫੈਸਲਾ ਲੈਣ ਤੋਂ ਪਹਿਲਾਂ, ਇਹਨਾਂ ਨਿਵੇਸ਼ਾਂ ਦੀ ਵਿਸਤ੍ਰਿਤ ਤੁਲਨਾ ਕਰੋ।
ਸਾਰੰਸ਼ ਵਿੱਚ:
ਕਰਜ਼ਾ ਮਿਉਚੁਅਲ ਫੰਡ (ਕਰਜ਼ਾ ਫੰਡ) ਬਨਾਮ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ (FD)
ਸਾਨੂੰ ਇਸ ਨੂੰ ਜੋਖਮ ਲੈਣ ਦੀ ਯੋਗਤਾ ਅਤੇ ਨਿਰਧਾਰਤ ਹੋਲਡਿੰਗ ਪੀਰੀਅਡ ਦੁਆਰਾ ਤੋੜਨ ਦੀ ਜ਼ਰੂਰਤ ਹੋਏਗੀਨਿਵੇਸ਼ਕ ਸਵਾਲ ਵਿੱਚ.
ਛੋਟੀ ਹੋਲਡਿੰਗ ਪੀਰੀਅਡ (1 ਸਾਲ ਜਾਂ ਘੱਟ)
ਇੱਥੇ ਕਰਜ਼ੇ ਫੰਡ ਲਈ ਵਿਕਲਪ ਸੀਮਤ ਹੋਣਗੇਤਰਲ ਫੰਡ, ਅਤਿ-ਛੋਟੀ ਮਿਆਦ ਦੇ ਫੰਡ ਅਤੇ ਥੋੜ੍ਹੇ ਸਮੇਂ ਲਈਆਮਦਨ ਫੰਡ ਹਾਲਾਂਕਿ ਰਿਟਰਨ ਜਾਂ ਉਪਜ ਆਮ ਤੌਰ 'ਤੇ ਤਰਲ ਤੋਂ ਅਲਟਰਾ-ਸ਼ਾਰਟ ਤੋਂ ਥੋੜ੍ਹੇ ਸਮੇਂ ਦੇ ਫੰਡ ਤੱਕ ਵੱਧ ਜਾਂਦੀ ਹੈ, ਇਹਨਾਂ ਰਿਣ ਫੰਡਾਂ ਅਤੇ ਇੱਕ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਵਿਚਕਾਰ ਉਪਜ ਦਾ ਅੰਤਰ ਪਿਛਲੇ ਇੱਕ ਸਾਲ ਵਿੱਚ ਉਹਨਾਂ ਦੇ ਰਿਟਰਨ ਨੂੰ ਧਿਆਨ ਵਿੱਚ ਰੱਖਦੇ ਹੋਏ ਨਿਰਧਾਰਤ ਕੀਤਾ ਜਾ ਸਕਦਾ ਹੈ।
ਕਰਜ਼ਾ ਮਿਉਚੁਅਲ ਫੰਡ (ਸ਼੍ਰੇਣੀ ਔਸਤ ਵਾਪਸੀ)
| ਕਰਜ਼ਾ ਮਿਉਚੁਅਲ ਫੰਡ ਦੀ ਕਿਸਮ | ਪਿਛਲੇ 1 ਸਾਲ ਵਾਪਸੀ (%) |
|---|---|
| ਤਰਲ ਫੰਡ | 7.36 |
| ਅਲਟਰਾ ਸ਼ਾਰਟ-ਟਰਮ ਡੈਬਟ ਫੰਡ | 9.18 |
| ਥੋੜ੍ਹੇ ਸਮੇਂ ਦੇ ਕਰਜ਼ੇ ਫੰਡ | 9.78 |
| ਡਾਇਨਾਮਿਕ ਕਰਜ਼ਾ ਫੰਡ | 13.89 |
| ਲੰਬੇ ਸਮੇਂ ਦੇ ਕਰਜ਼ੇ ਫੰਡ | 13.19 |
| ਗਿਲਟ ਸ਼ਾਰਟ-ਟਰਮ ਫੰਡ | 11.76 |
| ਗਿਲਟ ਲੰਬੇ ਸਮੇਂ ਦੇ ਫੰਡ | 15.06 |
| 20 ਫਰਵਰੀ 2017 ਦਾ ਡਾਟਾ |
ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਜਾਂ FD ਔਸਤ ਵਾਪਸੀ ਦਰ
ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਦੀ ਔਸਤ ਵਾਪਸੀ ਦਰ 8-8.5% p.a. ਸਾਲ 2016 ਵਿੱਚ (ਇਸ ਲਈ ਕੋਈ ਸਾਰਣੀ ਵਿੱਚ ਉਪਰੋਕਤ ਰਿਟਰਨਾਂ ਦੀ ਤੁਲਨਾ ਕਰ ਸਕਦਾ ਹੈ)। ਹਾਲਾਂਕਿ, ਪਿਛਲੇ ਇੱਕ ਸਾਲ ਵਿੱਚ, ਰਿਟਰਨ ਦਰ ਘਟ ਕੇ 6.6-7.5% p.a.
ਉਪਰੋਕਤ ਉਦਾਹਰਣ ਦੇ ਨਾਲ, ਇਹ ਸਪੱਸ਼ਟ ਹੈ ਕਿ ਕਰਜ਼ਾ ਫੰਡਾਂ ਦੀ ਵਾਪਸੀ ਦੀ ਔਸਤ ਦਰ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਨਾਲੋਂ ਬਿਹਤਰ ਹੈ।
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ਲੰਬੇ ਸਮੇਂ ਦੀ ਹੋਲਡਿੰਗ ਪੀਰੀਅਡ
ਲੰਬੇ ਸਮੇਂ ਦੀ ਹੋਲਡਿੰਗ ਅਵਧੀ ਦੇ ਨਾਲ, ਕਰਜ਼ਾ ਫੰਡ FDs ਨਾਲੋਂ ਬਿਹਤਰ ਸਾਬਤ ਹੋ ਸਕਦੇ ਹਨ।
ਇੱਥੇ ਨਿਵੇਸ਼ ਕਰਨ ਦੇ ਵਿਕਲਪ ਹੋਣਗੇ:
- ਲੰਬੇ ਸਮੇਂ ਦੀ ਆਮਦਨੀ ਫੰਡ
- ਲੰਬੇ ਸਮੇਂ ਲਈ ਗਿਲਟ,
- ਕਾਰਪੋਰੇਟਬਾਂਡ ਫੰਡ (ਉੱਚ ਉਪਜ ਫੰਡ), ਤਰਲ ਦੇ ਉੱਪਰ ਦੱਸੇ ਗਏ ਵਿਕਲਪਾਂ ਤੋਂ ਇਲਾਵਾ, ਅਲਟਰਾ-ਸ਼ਾਰਟ ਅਤੇ ਥੋੜ੍ਹੇ ਸਮੇਂ ਦੇ ਫੰਡ ਵੀ ਵਰਤੇ ਜਾ ਸਕਦੇ ਹਨ।
ਇਹ ਦੇਖਦੇ ਹੋਏ ਕਿ ਹੋਲਡਿੰਗ ਦੀ ਮਿਆਦ 3 ਸਾਲ ਜਾਂ ਵੱਧ ਹੋ ਸਕਦੀ ਹੈ, ਅਸੀਂ ਹੇਠਾਂ ਕਹਿ ਸਕਦੇ ਹਾਂ:
- ਨਾਲਪੂੰਜੀ ਸੂਚਕਾਂਕ ਲਾਭਾਂ ਦੇ ਨਾਲ 20% 'ਤੇ ਲਾਭ ਟੈਕਸ, ਸ਼ੁੱਧ ਟੈਕਸ ਘਟਨਾਵਾਂ ਘੱਟ ਤੋਂ ਘੱਟ ਹੋਣਗੀਆਂ (ਹਾਲਾਂਕਿ ਕਿਸੇ ਨੂੰ ਟੈਕਸ ਦੀ ਘਟਨਾ ਦੀ ਗਣਨਾ ਕਰਨ ਵਾਲੇ ਟੈਕਸ ਦੇ ਸਾਲ ਦੇ ਹਿਸਾਬ ਨਾਲ ਕਰਨੀ ਚਾਹੀਦੀ ਹੈ)
- ਲੰਬੇ ਸਮੇਂ ਦੀ ਆਮਦਨ ਫੰਡ/ਗਿਲਟ ਫੰਡ ਉੱਚ ਪੈਦਾਵਾਰ ਦੇ ਨਾਲ ਅਤੇ ਇਸ ਤੋਂ ਇਲਾਵਾ, ਜੇਕਰ ਵਿਆਜ ਦਰਾਂ ਘੱਟ ਜਾਂਦੀਆਂ ਹਨ ਤਾਂ ਬਹੁਤ ਜ਼ਿਆਦਾ ਰਿਟਰਨ ਮਿਲੇਗਾ।
- ਇਹਨਾਂ ਰਿਣ ਫੰਡਾਂ ਦੇ ਨਾਲ ਇੱਕ ਉੱਚ ਦੋ ਅੰਕਾਂ ਦੇ ਰਿਟਰਨ ਦੇ ਨਾਲ ਖਤਮ ਹੋ ਸਕਦਾ ਹੈ।
ਲੰਬੀ-ਅਵਧੀ ਆਮਦਨ ਫੰਡਾਂ 'ਤੇ ਰਿਟਰਨ ਦੀ ਹੇਠਾਂ ਦਿੱਤੀ ਉਦਾਹਰਣ ਲਓ, ਸ਼੍ਰੇਣੀ ਲਈ ਔਸਤ ਪਿਛਲੇ 1-ਸਾਲ ਦੀ ਰਿਟਰਨ 12.19% ਹੈ ਅਤੇ ਪਿਛਲੇ 3 ਸਾਲਾਂ ਵਿੱਚ 10.32% p.a. ਇਸ ਮਿਆਦ ਵਿੱਚ ਕੋਈ ਵੀ FD ਸਮਾਨ ਰਿਟਰਨ ਨਹੀਂ ਦੇ ਸਕਦਾ ਸੀ। ਗਿਲਟ ਫੰਡ ਰਿਟਰਨ ਹੋਰ ਵੀ ਵੱਧ ਹਨ। ਇਸੇ ਮਿਆਦ ਵਿੱਚ, ਪਿਛਲੇ ਸਾਲ FD ਦਰਾਂ ਜ਼ਿਆਦਾਤਰ ਬੈਂਕਾਂ ਵਿੱਚ 8-8.5% ਸਲਾਨਾ ਦੇ ਨੇੜੇ ਹੋਣਗੀਆਂ, (ਹਾਲਾਂਕਿ ਅੱਜ ਦਰਾਂ ਹੋਰ ਘਟ ਕੇ 6.5 - 7.5% ਹੋ ਗਈਆਂ ਹਨ)
ਇਸ ਲਈ ਇੱਕ ਨਿਵੇਸ਼ਕ ਦੇ ਨਾਲ ਲੰਬੇ ਸਮੇਂ ਤੱਕ ਹੋਲਡਿੰਗ ਪੀਰੀਅਡ ਅਤੇ ਵਿਆਜ ਦਰਾਂ ਵਿੱਚ ਗਿਰਾਵਟ ਹੋਣ ਦੇ ਨਾਲ, ਇੱਕ ਕਰਜ਼ਾ ਫੰਡ (ਲੰਮੀ ਮਿਆਦ ਦੀ ਆਮਦਨ ਜਾਂ ਗਿਲਟ) ਇੱਕ FD ਨਾਲੋਂ ਬਹੁਤ ਵਧੀਆ ਰਿਟਰਨ ਦੇਵੇਗਾ। ਇੱਥੋਂ ਤੱਕ ਕਿ ਵਿਆਜ ਦਰਾਂ ਨਾ ਡਿੱਗਣ ਦੇ ਮਾਮਲੇ ਵਿੱਚ, ਉੱਚ ਉਪਜ ਵਾਲੇ ਕਾਰਪੋਰੇਟ ਬਾਂਡ ਫੰਡ ਉਸੇ ਮਿਆਦ ਵਿੱਚ ਐਫਡੀ ਨੂੰ ਮਾਤ ਦੇਣਗੇ।
ਕਰਜ਼ਾ ਮਿਉਚੁਅਲ ਫੰਡ ਅਤੇ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ 'ਤੇ ਟੈਕਸ
ਕਰਜ਼ਾ ਫੰਡਾਂ ਅਤੇ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਦੇ ਰਿਟਰਨ ਨੂੰ ਨਿਰਧਾਰਤ ਕਰਨ ਵਿੱਚ ਵੀ ਟੈਕਸ ਮਹੱਤਵਪੂਰਨ ਭੂਮਿਕਾ ਨਿਭਾਉਂਦਾ ਹੈ। ਆਮ ਤੌਰ 'ਤੇ, ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ 'ਤੇ ਟੈਕਸ 33% (ਟੈਕਸ ਦੀ ਮਾਮੂਲੀ ਦਰ) ਹੁੰਦਾ ਹੈ ਜਦੋਂ ਕਿ ਰਿਣ ਫੰਡਾਂ 'ਤੇ ਜੇਕਰ ਕੋਈ 3-ਸਾਲ ਤੋਂ ਘੱਟ ਦੇ ਦ੍ਰਿਸ਼ਟੀਕੋਣ ਨਾਲ ਨਿਵੇਸ਼ ਕਰਦਾ ਹੈ ਤਾਂ ਡੀਡੀਟੀ (ਲਾਭਅੰਸ਼ ਵੰਡ ਟੈਕਸ) ਦੀ ਕਟੌਤੀ ਕਰਨ ਲਈ ਲਾਭਅੰਸ਼ ਵੰਡ ਟੈਕਸ ਲਗਾਉਣਾ ਇੱਕ ਬਿਹਤਰ ਵਿਕਲਪ ਹੋਵੇਗਾ। ਲਗਭਗ 25% (+ਸਰਚਾਰਜ ਆਦਿ) 'ਤੇ। ਇਹ ਦਰਸਾਉਂਦਾ ਹੈ ਕਿ ਰਿਣ ਮਿਉਚੁਅਲ ਫੰਡਾਂ 'ਤੇ ਟੈਕਸ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਦੇ ਮੁਕਾਬਲੇ ਮੁਕਾਬਲਤਨ ਘੱਟ ਹੈ।
ਕਰਜ਼ੇ ਦੇ ਫੰਡਾਂ ਨਾਲ ਆਉਣ ਵਾਲੇ ਵਾਧੂ ਲਾਭ ਹਨ:
- ਤਰਲਤਾ: ਤੋਂ 1-2 ਦਿਨਾਂ ਦੇ ਅੰਦਰ ਪੈਸੇ ਉਪਲਬਧ ਹੋਣਗੇਛੁਟਕਾਰਾ
- ਪੇਸ਼ੇਵਰ ਪ੍ਰਬੰਧਨ: ਗਤੀਸ਼ੀਲ ਤੌਰ 'ਤੇ ਰਣਨੀਤੀ ਨੂੰ ਬਦਲਣ ਅਤੇ ਬਾਜ਼ਾਰਾਂ ਦਾ ਫਾਇਦਾ ਲੈਣ ਦੀ ਯੋਗਤਾ
- ਅਚਨਚੇਤੀ ਕਢਵਾਉਣ ਦਾ ਕੋਈ ਜੁਰਮਾਨਾ ਨਹੀਂ।
ਸੰਪੇਕਸ਼ਤ:
| ਪੈਰਾਮੀਟਰ | ਮਿਉਚੁਅਲ ਫੰਡ | ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ |
|---|---|---|
| ਰਿਟਰਨ ਦੀ ਦਰ | ਕੋਈ ਨਿਸ਼ਚਿਤ ਰਿਟਰਨ ਨਹੀਂ | ਸਥਿਰ ਰਿਟਰਨ |
| ਮਹਿੰਗਾਈ ਵਿਵਸਥਿਤ ਰਿਟਰਨ | ਉੱਚ ਮੁਦਰਾਸਫੀਤੀ ਐਡਜਸਟਡ ਰਿਟਰਨਾਂ ਦੀ ਸੰਭਾਵਨਾ | ਆਮ ਤੌਰ 'ਤੇ ਘੱਟ ਮਹਿੰਗਾਈ ਐਡਜਸਟਡ ਰਿਟਰਨ |
| ਜੋਖਮ | ਘੱਟ ਤੋਂ ਵੱਧ ਜੋਖਮ (ਫੰਡ 'ਤੇ ਨਿਰਭਰ ਕਰਦਾ ਹੈ | ਘੱਟ ਜੋਖਮ |
| ਤਰਲਤਾ | ਤਰਲ | ਤਰਲ |
| ਸਮੇਂ ਤੋਂ ਪਹਿਲਾਂ ਕਢਵਾਉਣਾ | ਐਗਜ਼ਿਟ ਲੋਡ/ਨੋ ਲੋਡ ਨਾਲ ਆਗਿਆ ਹੈ | ਜੁਰਮਾਨੇ ਦੇ ਨਾਲ ਇਜਾਜ਼ਤ ਦਿੱਤੀ ਗਈ |
| ਨਿਵੇਸ਼ ਦੀ ਲਾਗਤ | ਪ੍ਰਬੰਧਨ ਲਾਗਤ/ਖਰਚ ਅਨੁਪਾਤ | ਕੋਈ ਲਾਗਤ ਨਹੀਂ |
ਚੋਟੀ ਦੇ 8 ਸਰਵੋਤਮ ਪ੍ਰਦਰਸ਼ਨ ਕਰਨ ਵਾਲੇ ਕਰਜ਼ੇ ਫੰਡ 2022
ਹੇਠਾਂ ਕਰਜ਼ਾ ਫੰਡਾਂ ਦੀ ਸੂਚੀ ਦਿੱਤੀ ਗਈ ਹੈ ਜਿਸ ਵਿੱਚ ਉੱਪਰ ਕੁੱਲ ਸੰਪਤੀਆਂ/ਏਯੂਐਮ ਹਨ1000 ਕਰੋੜ ਅਤੇ 3 ਸਾਲ ਮਿਸ਼ਰਿਤ (ਸੀ.ਏ.ਜੀ.ਆਰ) ਵਾਪਸੀ।
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 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 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 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 To actively manage a portfolio of good quality debt as well as Money Market
Instruments so as to provide reasonable returns and liquidity to the Unit holders. SBI Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 9 Feb 04. It is a fund with Moderate risk and has given a Below is the key information for SBI Dynamic Bond Fund Returns up to 1 year are on The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments. Aditya Birla Sun Life Floating Rate Fund - Long Term is a Debt - Floating Rate fund was launched on 25 Mar 09. It is a fund with Moderately Low risk and has given a Below is the key information for Aditya Birla Sun Life Floating Rate Fund - Long Term 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 1. Aditya Birla Sun Life Medium Term Plan
CAGR/Annualized return of 8.7% since its launch. Ranked 6 in Medium term Bond category. Return for 2023 was 6.9% , 2022 was 24.8% and 2021 was 7.1% . Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (18 Dec 24) ₹37.1339 ↑ 0.02 (0.05 %) Net Assets (Cr) ₹1,968 on 31 Oct 24 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 2.41 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 7.73% Effective Maturity 5 Years 1 Month 10 Days Modified Duration 3 Years 10 Months 6 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,785 30 Nov 21 ₹11,595 30 Nov 22 ₹14,432 30 Nov 23 ₹15,369 30 Nov 24 ₹17,033 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 18 Dec 24 Duration Returns 1 Month 0.8% 3 Month 3.4% 6 Month 6% 1 Year 10.5% 3 Year 13.8% 5 Year 11.4% 10 Year 15 Year Since launch 8.7% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 12% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 10.26 Yr. Mohit Sharma 6 Aug 20 4.32 Yr. Dhaval Joshi 21 Nov 22 2.03 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 9.09% Equity 3.04% Debt 86.5% Other 1.37% Debt Sector Allocation
Sector Value Government 47.6% Corporate 38.32% Cash Equivalent 9.09% Securitized 0.58% Credit Quality
Rating Value A 5.55% AA 32.83% AAA 61.62% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -28% ₹545 Cr 53,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -10% ₹204 Cr 20,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -5% ₹107 Cr 10,500,000 Adani Airport Holdings Ltd
Debentures | -3% ₹51 Cr 5,300 Creditaccess Grameen Limited
Debentures | -3% ₹50 Cr 500,000 Belstar Microfinance Limited
Debentures | -3% ₹50 Cr 5,000 JSW Steel Limited
Debentures | -3% ₹50 Cr 500 4.986339% GMR Infrastructure Limited (22/11/2026)
Debentures | -2% ₹49 Cr 4,467
↑ 4,467 Piramal Capital & Housing Finance Ltd
Debentures | -2% ₹48 Cr 4,800 Hinduja Housing Finance Limited 8.85%
Debentures | -2% ₹46 Cr 4,600 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 2023 was 6.9% , 2022 was 6% and 2021 was 4.9% . Aditya Birla Sun Life Dynamic Bond Fund
Growth Launch Date 27 Sep 04 NAV (18 Dec 24) ₹44.2682 ↑ 0.03 (0.08 %) Net Assets (Cr) ₹1,697 on 31 Oct 24 Category Debt - Dynamic Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.21 Sharpe Ratio 1.24 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 7.16% Effective Maturity 15 Years 1 Month 10 Days Modified Duration 8 Years 3 Months 11 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,882 30 Nov 21 ₹11,470 30 Nov 22 ₹12,121 30 Nov 23 ₹12,877 30 Nov 24 ₹14,077 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 18 Dec 24 Duration Returns 1 Month 1% 3 Month 1.5% 6 Month 4.5% 1 Year 9% 3 Year 7.2% 5 Year 7.4% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 14.8% Fund Manager information for Aditya Birla Sun Life Dynamic Bond Fund
Name Since Tenure Mohit Sharma 22 Mar 21 3.7 Yr. Bhupesh Bameta 6 Aug 20 4.32 Yr. Data below for Aditya Birla Sun Life Dynamic Bond Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 3.09% Debt 96.63% Other 0.27% Debt Sector Allocation
Sector Value Government 80.38% Corporate 16.25% Cash Equivalent 3.09% Credit Quality
Rating Value A 2.73% AA 4.9% AAA 92.37% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2037
Sovereign Bonds | -34% ₹582 Cr 57,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -14% ₹243 Cr 23,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -12% ₹196 Cr 19,077,900 7.18% Govt Stock 2033
Sovereign Bonds | -10% ₹173 Cr 17,000,000 Cholamandalam Investment And Finance Company Limited
Debentures | -5% ₹81 Cr 8,000 State Bank Of India
Debentures | -4% ₹76 Cr 75 7.25% Govt Stock 2063
Sovereign Bonds | -3% ₹51 Cr 5,000,000 Bajaj Finance Ltd. 7.93%
Debentures | -3% ₹51 Cr 5,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹47 Cr 4,590,200 Adani Airport Holdings Ltd
Debentures | -3% ₹43 Cr 4,500 3. SBI Magnum Gilt Fund
CAGR/Annualized return of 8% since its launch. Ranked 3 in Government Bond category. Return for 2023 was 7.6% , 2022 was 4.2% and 2021 was 3% . SBI Magnum Gilt Fund
Growth Launch Date 30 Dec 00 NAV (18 Dec 24) ₹63.5864 ↑ 0.06 (0.09 %) Net Assets (Cr) ₹10,937 on 31 Oct 24 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 1.21 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.99% Effective Maturity 22 Years 6 Months 14 Days Modified Duration 9 Years 3 Months 22 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,204 30 Nov 21 ₹11,568 30 Nov 22 ₹12,021 30 Nov 23 ₹12,861 30 Nov 24 ₹14,094 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Dec 24 Duration Returns 1 Month 1% 3 Month 1.2% 6 Month 4.3% 1 Year 9.2% 3 Year 7% 5 Year 7.3% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 19.9% Fund Manager information for SBI Magnum Gilt Fund
Name Since Tenure Rajeev Radhakrishnan 1 Nov 23 1.08 Yr. Tejas Soman 1 Dec 23 1 Yr. Data below for SBI Magnum Gilt Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 2.39% Debt 97.61% Debt Sector Allocation
Sector Value Government 97.61% Cash Equivalent 2.39% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -44% ₹4,869 Cr 468,000,000
↑ 35,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -22% ₹2,453 Cr 240,103,800 7.23% Govt Stock 2039
Sovereign Bonds | -15% ₹1,684 Cr 163,000,000
↓ -50,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -8% ₹911 Cr 88,000,000 7.93% Govt Stock 2033
Sovereign Bonds | -2% ₹242 Cr 23,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -2% ₹229 Cr 22,835,300
↑ 12,633,900 7.25% Govt Stock 2063
Sovereign Bonds | -2% ₹190 Cr 18,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -1% ₹139 Cr 13,500,000
↓ -1,500,000 Treps
CBLO/Reverse Repo | -6% ₹653 Cr Net Receivable / Payable
CBLO | -4% -₹390 Cr 4. 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 (18 Dec 24) ₹30.2981 ↑ 0.02 (0.07 %) 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.
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 18 Dec 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 4.3% 1 Year 8.7% 3 Year 6.9% 5 Year 7.4% 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 31 Oct 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 5. SBI Credit Risk Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 3 in Credit Risk category. Return for 2023 was 8.3% , 2022 was 4.2% and 2021 was 5% . SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (18 Dec 24) ₹43.5551 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹2,304 on 15 Nov 24 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.56 Sharpe Ratio 1.57 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 8.61% Effective Maturity 3 Years 1 Month 20 Days Modified Duration 2 Years 3 Months 4 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,967 30 Nov 21 ₹11,543 30 Nov 22 ₹11,998 30 Nov 23 ₹12,976 30 Nov 24 ₹14,035 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Dec 24 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 3.9% 1 Year 8% 3 Year 6.8% 5 Year 7.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 10.6% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 7.84 Yr. Pradeep Kesavan 1 Dec 23 1 Yr. Adesh Sharma 1 Dec 23 1 Yr. Data below for SBI Credit Risk Fund as on 15 Nov 24
Asset Allocation
Asset Class Value Cash 6.48% Equity 2.63% Debt 90.56% Other 0.32% Debt Sector Allocation
Sector Value Corporate 75.75% Government 14.81% Cash Equivalent 6.48% Credit Quality
Rating Value A 15.19% AA 69.49% AAA 15.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.23% Govt Stock 2039
Sovereign Bonds | -9% ₹196 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% ₹109 Cr 11,000 Infopark Properties Ltd.
Debentures | -5% ₹105 Cr 10,500 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹87 Cr 8,500,000 Century Textiles And Industried Limited
Debentures | -4% ₹85 Cr 8,500 Sandur Manganese And Iron Ores Limited (The)
Debentures | -4% ₹84 Cr 8,500 Avanse Financial Services Ltd.
Debentures | -3% ₹80 Cr 8,000 Renserv Global Pvt Ltd.
Debentures | -3% ₹80 Cr 8,000 6. SBI Dynamic Bond Fund
CAGR/Annualized return of since its launch. Ranked 5 in Dynamic Bond category. Return for 2023 was 7.1% , 2022 was 4.2% and 2021 was 2% . SBI Dynamic Bond Fund
Growth Launch Date 9 Feb 04 NAV (18 Dec 24) ₹34.3303 ↑ 0.02 (0.06 %) Net Assets (Cr) ₹3,302 on 31 Oct 24 Category Debt - Dynamic Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.48 Sharpe Ratio 1.07 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Months (0.25%),1 Months and above(NIL) Yield to Maturity 7.03% Effective Maturity 20 Years 5 Months 5 Days Modified Duration 8 Years 7 Months 17 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,075 30 Nov 21 ₹11,306 30 Nov 22 ₹11,743 30 Nov 23 ₹12,522 30 Nov 24 ₹13,662 Returns for SBI Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Dec 24 Duration Returns 1 Month 0.9% 3 Month 1.2% 6 Month 4.2% 1 Year 8.9% 3 Year 6.7% 5 Year 6.6% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2023 7.1% 2022 4.2% 2021 2% 2020 10.4% 2019 12.7% 2018 5.1% 2017 3.9% 2016 15.3% 2015 5.8% 2014 12.8% Fund Manager information for SBI Dynamic Bond Fund
Name Since Tenure Rajeev Radhakrishnan 1 Nov 23 1.08 Yr. Tejas Soman 31 Dec 23 0.92 Yr. Pradeep Kesavan 31 Dec 23 0.92 Yr. Data below for SBI Dynamic Bond Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 2.99% Debt 96.76% Other 0.25% Debt Sector Allocation
Sector Value Government 82.82% Corporate 13.94% Cash Equivalent 2.99% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -35% ₹1,153 Cr 115,000,000
↑ 40,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -26% ₹853 Cr 82,000,000
↑ 2,000,000 7.25% Govt Stock 2063
Sovereign Bonds | -13% ₹442 Cr 43,138,000 Highways Infrastructure Trust
Debentures | -5% ₹164 Cr 16,250 National Bank For Financing Infrastructure And Development
Debentures | -5% ₹152 Cr 15,000 India Universal Trust Al1
Sovereign Bonds | -4% ₹147 Cr 147
↑ 147 National Bank For Financing Infrastructure And Development
Debentures | -3% ₹101 Cr 10,000 Bank of Baroda
Debentures | -3% ₹100 Cr 100
↑ 100 Indian Railway Finance Corporation Limited
Debentures | -1% ₹40 Cr 4,000 Tata Capital Financial Services Limited
Debentures | -1% ₹25 Cr 250 7. Aditya Birla Sun Life Floating Rate Fund - Long Term
CAGR/Annualized return of 7.9% since its launch. Ranked 14 in Floating Rate category. Return for 2023 was 7.5% , 2022 was 4.8% and 2021 was 3.6% . Aditya Birla Sun Life Floating Rate Fund - Long Term
Growth Launch Date 25 Mar 09 NAV (18 Dec 24) ₹333.049 ↑ 0.08 (0.02 %) Net Assets (Cr) ₹13,142 on 31 Oct 24 Category Debt - Floating Rate AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.46 Sharpe Ratio 2.95 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.66% Effective Maturity 2 Years 4 Months 2 Days Modified Duration 1 Year 2 Months 5 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,861 30 Nov 21 ₹11,276 30 Nov 22 ₹11,777 30 Nov 23 ₹12,646 30 Nov 24 ₹13,651 Returns for Aditya Birla Sun Life Floating Rate Fund - Long Term
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Dec 24 Duration Returns 1 Month 0.5% 3 Month 2% 6 Month 3.9% 1 Year 8% 3 Year 6.7% 5 Year 6.5% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.5% 2022 4.8% 2021 3.6% 2020 8.6% 2019 8.6% 2018 7.5% 2017 6.9% 2016 9.5% 2015 8.9% 2014 9.6% Fund Manager information for Aditya Birla Sun Life Floating Rate Fund - Long Term
Name Since Tenure Kaustubh Gupta 20 Jun 14 10.46 Yr. Harshil Suvarnkar 22 Mar 21 3.7 Yr. Data below for Aditya Birla Sun Life Floating Rate Fund - Long Term as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 11.24% Debt 88.51% Other 0.26% Debt Sector Allocation
Sector Value Corporate 69.2% Government 23.23% Cash Equivalent 6.55% Securitized 0.76% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.93% Govt Stock 2033
Sovereign Bonds | -8% ₹1,033 Cr 100,000,000
↓ -5,000,000 LIC Housing Finance Ltd
Debentures | -3% ₹415 Cr 4,250 National Bank For Agriculture And Rural Development
Debentures | -3% ₹409 Cr 4,150 Hdb Financial Services Limited
Debentures | -2% ₹300 Cr 30,000 Bajaj Housing Finance Limited
Debentures | -2% ₹257 Cr 25,500 ICICI Home Finance Limited
Debentures | -2% ₹250 Cr 25,000 Rural Electrification Corporation Limited
Debentures | -2% ₹250 Cr 25,000 Axis Bank Ltd.
Debentures | -2% ₹241 Cr 5,000
↑ 5,000 Rural Electrification Corporation Limited
Debentures | -2% ₹225 Cr 22,500 Small Industries Development Bank of India
Debentures | -2% ₹210 Cr 4,500
↑ 4,500 8. ICICI Prudential Long Term Plan
CAGR/Annualized return of 8.8% since its launch. Ranked 1 in Dynamic Bond category. Return for 2023 was 7.6% , 2022 was 4.5% and 2021 was 4.3% . ICICI Prudential Long Term Plan
Growth Launch Date 20 Jan 10 NAV (18 Dec 24) ₹35.2677 ↑ 0.02 (0.05 %) Net Assets (Cr) ₹13,133 on 31 Oct 24 Category Debt - Dynamic Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.36 Sharpe Ratio 1.45 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 7.71% Effective Maturity 5 Years 6 Months Modified Duration 3 Years 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,219 30 Nov 21 ₹11,758 30 Nov 22 ₹12,232 30 Nov 23 ₹13,103 30 Nov 24 ₹14,222 Returns for ICICI Prudential Long Term Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Dec 24 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 4.3% 1 Year 8.2% 3 Year 6.7% 5 Year 7.4% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 19.4% Fund Manager information for ICICI Prudential Long Term Plan
Name Since Tenure Manish Banthia 28 Sep 12 12.18 Yr. Nikhil Kabra 22 Jan 24 0.86 Yr. Data below for ICICI Prudential Long Term Plan as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 15.3% Debt 84.46% Other 0.25% Debt Sector Allocation
Sector Value Government 49.26% Corporate 36.96% Cash Equivalent 13.53% Credit Quality
Rating Value AA 33.42% AAA 66.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -37% ₹4,892 Cr 481,431,490
↑ 16,000,000 7.93% Govt Stock 2033
Sovereign Bonds | -5% ₹690 Cr 66,848,050
↓ -7,750,000 7.53% Govt Stock 2034
Sovereign Bonds | -3% ₹461 Cr 45,460,800 Nirma Limited
Debentures | -2% ₹202 Cr 20,000 Godrej Properties Limited
Debentures | -2% ₹201 Cr 20,000 Oberoi Realty Ltd.
Debentures | -1% ₹200 Cr 20,000 Bharti Telecom Limited
Debentures | -1% ₹161 Cr 16,000 SEIl Energy India Limited
Debentures | -1% ₹149 Cr 15,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹149 Cr 1,500
↓ -1,500 National Bank For Agriculture And Rural Development
Debentures | -1% ₹130 Cr 1,300
ਇਹ ਯਕੀਨੀ ਬਣਾਉਣ ਲਈ ਸਾਰੇ ਯਤਨ ਕੀਤੇ ਗਏ ਹਨ ਕਿ ਇੱਥੇ ਦਿੱਤੀ ਗਈ ਜਾਣਕਾਰੀ ਸਹੀ ਹੈ। ਹਾਲਾਂਕਿ, ਡੇਟਾ ਦੀ ਸ਼ੁੱਧਤਾ ਬਾਰੇ ਕੋਈ ਗਾਰੰਟੀ ਨਹੀਂ ਦਿੱਤੀ ਗਈ ਹੈ। ਕਿਰਪਾ ਕਰਕੇ ਕੋਈ ਵੀ ਨਿਵੇਸ਼ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ ਸਕੀਮ ਜਾਣਕਾਰੀ ਦਸਤਾਵੇਜ਼ ਨਾਲ ਤਸਦੀਕ ਕਰੋ।
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