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 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 Scheme aims to generate returns through investments in Central Govt Securities. DSP BlackRock Government Securities Fund is a Debt - Government Bond fund was launched on 30 Sep 99. It is a fund with Moderate risk and has given a Below is the key information for DSP BlackRock Government Securities 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 (Erstwhile Reliance Regular Savings Fund - Debt Plan) The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & Money Market Instruments. Nippon India Credit Risk Fund is a Debt - Credit Risk fund was launched on 8 Jun 05. It is a fund with Moderate risk and has given a Below is the key information for Nippon India Credit Risk Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Medium Term Plan
CAGR/Annualized return of 8.6% 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 (11 Oct 24) ₹36.0971 ↓ -0.01 (-0.03 %) Net Assets (Cr) ₹1,892 on 31 Aug 24 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 0.79 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 7.83% Effective Maturity 5 Years 1 Month 2 Days Modified Duration 3 Years 9 Months 25 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹9,769 30 Sep 21 ₹10,597 30 Sep 22 ₹13,086 30 Sep 23 ₹14,024 30 Sep 24 ₹15,280 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 11 Oct 24 Duration Returns 1 Month 0.8% 3 Month 2.5% 6 Month 5.1% 1 Year 9.1% 3 Year 13% 5 Year 9.3% 10 Year 15 Year Since launch 8.6% 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 10.01 Yr. Mohit Sharma 6 Aug 20 4.07 Yr. Dhaval Joshi 21 Nov 22 1.78 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Aug 24
Asset Allocation
Asset Class Value Cash 6.5% Equity 3.27% Debt 88.87% Other 1.37% Debt Sector Allocation
Sector Value Government 48.98% Corporate 39.07% Cash Equivalent 6.5% Securitized 0.82% Credit Quality
Rating Value A 2.61% AA 30.75% AAA 66.63% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -29% ₹550 Cr 54,000,000 7.26% Govt Stock 2033
Sovereign Bonds | -11% ₹205 Cr 20,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -6% ₹107 Cr 10,500,000
↑ 500,000 Creditaccess Grameen Limited
Debentures | -3% ₹50 Cr 500,000 JSW Steel Limited
Debentures | -3% ₹50 Cr 500 Belstar Microfinance Limited
Debentures | -3% ₹50 Cr 5,000 Piramal Capital & Housing Finance Limited
Debentures | -3% ₹48 Cr 4,800 Hinduja Housing Finance Limited 8.85%
Debentures | -2% ₹46 Cr 4,600 Nexus Select Trust
Debentures | -2% ₹40 Cr 4,000 JM Financial Products Limited
Debentures | -2% ₹40 Cr 4,000 2. Aditya Birla Sun Life Dynamic Bond Fund
CAGR/Annualized return of 7.7% 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 (11 Oct 24) ₹43.8179 ↓ -0.04 (-0.08 %) Net Assets (Cr) ₹1,702 on 15 Sep 24 Category Debt - Dynamic Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.21 Sharpe Ratio 0.59 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 7.1% Effective Maturity 15 Years Modified Duration 8 Years 3 Months 25 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹10,087 30 Sep 21 ₹10,749 30 Sep 22 ₹11,293 30 Sep 23 ₹12,053 30 Sep 24 ₹13,220 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 11 Oct 24 Duration Returns 1 Month 0.9% 3 Month 3% 6 Month 5.4% 1 Year 9.8% 3 Year 7.1% 5 Year 6.1% 10 Year 15 Year Since launch 7.7% 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 3.45 Yr. Bhupesh Bameta 6 Aug 20 4.07 Yr. Dhaval Joshi 21 Nov 22 1.78 Yr. Data below for Aditya Birla Sun Life Dynamic Bond Fund as on 15 Sep 24
Asset Allocation
Asset Class Value Cash 3.36% Debt 96.37% Other 0.27% Debt Sector Allocation
Sector Value Government 93.46% Cash Equivalent 3.36% Corporate 2.91% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2037
Sovereign Bonds | -37% ₹629 Cr 61,500,000
↑ 2,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -21% ₹351 Cr 34,500,000
↓ -500,000 7.3% Govt Stock 2053
Sovereign Bonds | -14% ₹244 Cr 23,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -14% ₹237 Cr 23,000,000 7.25% Govt Stock 2063
Sovereign Bonds | -3% ₹51 Cr 5,000,000 Punjab National Bank
Debentures | -1% ₹24 Cr 240 Uttar Pradesh (Government of)
- | -1% ₹20 Cr 2,000,000 Niif Infrastructure Finance Limited
Debentures | -1% ₹20 Cr 200 7.34% Govt Stock 2064
Sovereign Bonds | -1% ₹17 Cr 1,665,800
↑ 1,165,800 Goi 16.06.2026 Gov
Sovereign Bonds | -1% ₹14 Cr 1,529,000 3. SBI Magnum Gilt Fund
CAGR/Annualized return of 8.1% 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 (11 Oct 24) ₹63.0727 ↓ -0.05 (-0.08 %) Net Assets (Cr) ₹9,757 on 15 Sep 24 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 0.9 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.06% Effective Maturity 20 Years 7 Months 10 Days Modified Duration 8 Years 10 Months 20 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹11,079 30 Sep 21 ₹11,692 30 Sep 22 ₹12,000 30 Sep 23 ₹12,918 30 Sep 24 ₹14,280 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Oct 24 Duration Returns 1 Month 0.8% 3 Month 3% 6 Month 5.6% 1 Year 10.5% 3 Year 7% 5 Year 7.3% 10 Year 15 Year Since launch 8.1% 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 0.84 Yr. Tejas Soman 1 Dec 23 0.75 Yr. Data below for SBI Magnum Gilt Fund as on 15 Sep 24
Asset Allocation
Asset Class Value Cash 3.76% Debt 96.24% Debt Sector Allocation
Sector Value Government 96.24% Cash Equivalent 3.76% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -54% ₹5,124 Cr 504,178,600
↓ -15,708,000 7.34% Govt Stock 2064
Sovereign Bonds | -28% ₹2,675 Cr 257,000,000
↑ 77,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -10% ₹912 Cr 88,000,000 8.34% Govt Stock 2033
Sovereign Bonds | -3% ₹242 Cr 23,500,000 7.25% Govt Stock 2063
Sovereign Bonds | -2% ₹190 Cr 18,500,000
↓ -4,500,000 Treps
CBLO/Reverse Repo | -3% ₹267 Cr Net Receivable / Payable
CBLO | -1% ₹89 Cr 7.18% Govt Stock 2033
Sovereign Bonds | -₹0 Cr 00
↓ -42,785,000 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 (11 Oct 24) ₹29.9274 ↓ -0.02 (-0.07 %) Net Assets (Cr) ₹6,500 on 15 Sep 24 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 1.61 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 8.63% Effective Maturity 2 Years 4 Months 10 Days Modified Duration 1 Year 9 Months 29 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹10,988 30 Sep 21 ₹11,850 30 Sep 22 ₹12,379 30 Sep 23 ₹13,237 30 Sep 24 ₹14,423 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Oct 24 Duration Returns 1 Month 0.7% 3 Month 2.5% 6 Month 4.6% 1 Year 9.1% 3 Year 6.8% 5 Year 7.6% 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 7.82 Yr. Akhil Kakkar 22 Jan 24 0.61 Yr. Data below for ICICI Prudential Regular Savings Fund as on 15 Sep 24
Asset Allocation
Asset Class Value Cash 16.61% Equity 1.84% Debt 81.24% Other 0.31% Debt Sector Allocation
Sector Value Corporate 73.06% Government 10.28% Cash Equivalent 9.12% Securitized 5.39% Credit Quality
Rating Value A 14.34% AA 59.85% AAA 25.81% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -6% ₹363 Cr 35,630,230 Embassy Office Parks Reit
Unlisted bonds | -5% ₹301 Cr 7,756,117
↓ -700,000 Varroc Engineering Limited
Debentures | -4% ₹248 Cr 25,000 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹242 Cr 23,795,630 Millennia Realtors Private Limited
Debentures | -3% ₹210 Cr 2,100 Aadhar Housing Finance Ltd
Debentures | -3% ₹175 Cr 17,500 Nirma Limited
Debentures | -2% ₹151 Cr 15,000 Dlf Home Developers Limited
Debentures | -2% ₹150 Cr 15,000 Kalpataru Projects International Limited
Debentures | -2% ₹149 Cr 15,000 HDFC Bank Ltd.
Debentures | -2% ₹121 Cr 2,500 5. 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 (11 Oct 24) ₹34.0762 ↓ -0.01 (-0.04 %) Net Assets (Cr) ₹3,184 on 15 Sep 24 Category Debt - Dynamic Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.48 Sharpe Ratio 0.61 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 7.13% Effective Maturity 20 Years 3 Months Modified Duration 8 Years 10 Months 2 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹11,000 30 Sep 21 ₹11,472 30 Sep 22 ₹11,760 30 Sep 23 ₹12,632 30 Sep 24 ₹13,881 Returns for SBI Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Oct 24 Duration Returns 1 Month 0.9% 3 Month 2.9% 6 Month 5.3% 1 Year 10% 3 Year 6.6% 5 Year 6.7% 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 0.84 Yr. Tejas Soman 31 Dec 23 0.67 Yr. Pradeep Kesavan 31 Dec 23 0.67 Yr. Data below for SBI Dynamic Bond Fund as on 15 Sep 24
Asset Allocation
Asset Class Value Cash 2.74% Debt 97.01% Other 0.25% Debt Sector Allocation
Sector Value Government 88.76% Corporate 8.25% Cash Equivalent 2.74% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -39% ₹1,260 Cr 123,966,100
↑ 20,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -17% ₹546 Cr 52,500,000
↑ 47,500,000 7.25% Govt Stock 2063
Sovereign Bonds | -14% ₹444 Cr 43,138,000 7.18% Govt Stock 2037
Sovereign Bonds | -10% ₹327 Cr 32,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -8% ₹259 Cr 25,000,000 Highways Infrastructure Trust
Debentures | -5% ₹164 Cr 16,250 Tata Capital Financial Services Limited
Debentures | -2% ₹75 Cr 7,500 Tata Capital Financial Services Limited
Debentures | -1% ₹25 Cr 250 Corporate Debt Market Development Fund-A2
Investment Fund | -0% ₹8 Cr 7,786 Net Receivable / Payable
CBLO | -2% ₹62 Cr 6. DSP BlackRock Government Securities Fund
CAGR/Annualized return of 9.3% since its launch. Ranked 9 in Government Bond category. Return for 2023 was 7.1% , 2022 was 2.7% and 2021 was 3.1% . DSP BlackRock Government Securities Fund
Growth Launch Date 30 Sep 99 NAV (11 Oct 24) ₹91.7351 ↓ -0.10 (-0.11 %) Net Assets (Cr) ₹1,306 on 15 Sep 24 Category Debt - Government Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 1.1 Sharpe Ratio 0.72 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-7 Days (0.1%),7 Days and above(NIL) Yield to Maturity 7.18% Effective Maturity 29 Years 11 Months 26 Days Modified Duration 11 Years 10 Months 2 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹11,186 30 Sep 21 ₹11,800 30 Sep 22 ₹11,971 30 Sep 23 ₹12,792 30 Sep 24 ₹14,300 Returns for DSP BlackRock Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Oct 24 Duration Returns 1 Month 0.9% 3 Month 3% 6 Month 6% 1 Year 12.1% 3 Year 6.6% 5 Year 7.3% 10 Year 15 Year Since launch 9.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.1% 2022 2.7% 2021 3.1% 2020 13.1% 2019 12.5% 2018 7.4% 2017 1.4% 2016 15.3% 2015 6.2% 2014 15% Fund Manager information for DSP BlackRock Government Securities Fund
Name Since Tenure Sandeep Yadav 1 Aug 24 0.08 Yr. Shantanu Godambe 1 Jun 23 1.25 Yr. Data below for DSP BlackRock Government Securities Fund as on 15 Sep 24
Asset Allocation
Asset Class Value Cash 0.94% Debt 99.06% Debt Sector Allocation
Sector Value Government 99.06% Cash Equivalent 0.94% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -41% ₹494 Cr 47,000,000
↓ -5,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -23% ₹277 Cr 26,000,000
↑ 16,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -10% ₹127 Cr 12,500,000
↑ 7,500,000 07.50 MH Sdl 2044
Sovereign Bonds | -6% ₹74 Cr 7,000,000 7.85% MP Sdl 2032
Sovereign Bonds | -5% ₹55 Cr 5,000,000 7.46% Govt Stock 2073
Sovereign Bonds | -4% ₹54 Cr 5,000,000
↓ -17,500,000 Uttar Pradesh (Government of) 7.48%
- | -4% ₹53 Cr 5,000,000 Uttar Pradesh (Government of) 7.38%
- | -3% ₹42 Cr 4,000,000 6.76% Govt Stock 2061
Sovereign Bonds | -2% ₹24 Cr 2,500,000
↑ 2,500,000 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -3% ₹33 Cr 7. 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 (11 Oct 24) ₹42.9609 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹2,363 on 15 Sep 24 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.56 Sharpe Ratio 0.9 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 8.45% Effective Maturity 2 Years 8 Months 16 Days Modified Duration 2 Years 14 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹10,840 30 Sep 21 ₹11,622 30 Sep 22 ₹12,021 30 Sep 23 ₹13,014 30 Sep 24 ₹14,038 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Oct 24 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 4.2% 1 Year 8% 3 Year 6.6% 5 Year 7% 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 7.59 Yr. Pradeep Kesavan 1 Dec 23 0.75 Yr. Adesh Sharma 1 Dec 23 0.75 Yr. Data below for SBI Credit Risk Fund as on 15 Sep 24
Asset Allocation
Asset Class Value Cash 10.67% Equity 2.66% Debt 86.36% Other 0.31% Debt Sector Allocation
Sector Value Corporate 69.62% Government 16.73% Cash Equivalent 10.67% Credit Quality
Rating Value A 11.14% AA 65.42% AAA 23.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -12% ₹290 Cr 28,500,000 Aadhar Housing Finance Limited
Debentures | -5% ₹112 Cr 11,200 Nirma Limited
Debentures | -5% ₹111 Cr 11,000 Infopark Properties Limited
Debentures | -4% ₹105 Cr 10,500 Jindal Stainless Limited
Debentures | -4% ₹88 Cr 900 Avanse Financial Services Limited
Debentures | -3% ₹80 Cr 8,000 Renserv Global Pvt Ltd.
Debentures | -3% ₹80 Cr 8,000 JSW Steel Limited
Debentures | -3% ₹75 Cr 750 Rural Electrification Corporation Limited
Debentures | -3% ₹75 Cr 7,500 Nuvoco Vistas Corporation Limited
Debentures | -3% ₹75 Cr 750 8. Nippon India Credit Risk Fund
CAGR/Annualized return of 6.3% since its launch. Ranked 21 in Credit Risk category. Return for 2023 was 7.9% , 2022 was 3.9% and 2021 was 13.5% . Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (11 Oct 24) ₹32.8102 ↑ 0.01 (0.04 %) Net Assets (Cr) ₹1,028 on 31 Aug 24 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.63 Sharpe Ratio 1.86 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 8.84% Effective Maturity 2 Years 5 Months 5 Days Modified Duration 1 Year 10 Months 6 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹9,187 30 Sep 21 ₹10,601 30 Sep 22 ₹10,978 30 Sep 23 ₹11,836 30 Sep 24 ₹12,791 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Oct 24 Duration Returns 1 Month 0.8% 3 Month 2.3% 6 Month 4.2% 1 Year 8.2% 3 Year 6.5% 5 Year 5% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.9% 2022 3.9% 2021 13.5% 2020 -5.9% 2019 1.9% 2018 6.1% 2017 7% 2016 10% 2015 8.8% 2014 11% Fund Manager information for Nippon India Credit Risk Fund
Name Since Tenure Kinjal Desai 25 May 18 6.27 Yr. Sushil Budhia 1 Feb 20 4.58 Yr. Data below for Nippon India Credit Risk Fund as on 31 Aug 24
Asset Allocation
Asset Class Value Cash 10.21% Debt 89.53% Other 0.26% Debt Sector Allocation
Sector Value Corporate 74.69% Government 14.85% Cash Equivalent 10.21% Credit Quality
Rating Value A 18.72% AA 47.31% AAA 33.97% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.32% Govt Stock 2030
Sovereign Bonds | -7% ₹72 Cr 7,000,000 Summit Digitel Infrastructure Limited
Debentures | -6% ₹61 Cr 620 7.1% Govt Stock 2029
Sovereign Bonds | -5% ₹51 Cr 5,000,000 JSW Steel Limited
Debentures | -5% ₹50 Cr 500 Shriram Housing Finance Limited 9.25%
Debentures | -4% ₹40 Cr 4,000 DLF Cyber City Developers Limited 8.4%
Debentures | -4% ₹40 Cr 4,000 Prestige Projects Private Limited 11.75%
Debentures | -4% ₹40 Cr 4,000 Century Textiles & Industries Ltd. 8.55%
Debentures | -4% ₹40 Cr 4,000
↑ 4,000 Piramal Capital & Housing Finance Limited
Debentures | -4% ₹37 Cr 485,063 Greenlam Industries Limited
Debentures | -3% ₹36 Cr 360
↓ -45
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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