Table of Contents

நடுத்தர கால கடன் நிதிகள்- மேலோட்டம்
கடன் மியூச்சுவல் ஃபண்டுகளில் முதலீடு செய்வதற்கான அம்சங்கள்
2022 - 2023 முதல் 7 சிறந்த செயல்திறன் கொண்ட நடுத்தர கால நிதிகள்
ஆன்லைனில் நடுத்தர கால நிதிகளில் எப்படி முதலீடு செய்வது?
Top 7 Debt - Medium term Bond Funds

7 சிறந்த நடுத்தர கால நிதிகள் 2022

Updated on December 23, 2024 , 7685 views

நடுத்தர கால முதலீட்டு விருப்பத்தை நீங்கள் தேடுகிறீர்களா? அடுத்த 3-4 ஆண்டுகளுக்கு நீங்கள் முதலீடு செய்ய விரும்பும் செயலற்ற பணம் உங்களிடம் உள்ளதா? ஆம் எனில், உங்களுக்கான நிதி இதோ- நடுத்தர கால நிதிகள்! நடுத்தர கால நிதிகள் ஒரு வகை கடன்பரஸ்பர நிதி என்று கடன் முதலீடு மற்றும்பண சந்தை மூன்று முதல் நான்கு ஆண்டுகள் மெக்காலே கால அளவு கொண்ட கருவிகள். முதலீடு செய்ய சிறந்த நடுத்தர கால நிதிகள் சிலவற்றைப் பார்ப்பதோடு, இந்த நிதியைப் பற்றி மேலும் புரிந்துகொள்வோம்.

நடுத்தர கால கடன் நிதிகள்- மேலோட்டம்

கடன் பொதுவாக முதிர்ச்சியின் அடிப்படையில் வகைப்படுத்தப்படுகிறது. விதிமுறைகள்கடன் நிதி அவை - குறைந்த கால நிதிகள், குறுகிய காலம், நடுத்தர காலம், நடுத்தர முதல் நீண்ட காலம் மற்றும் நீண்ட கால நிதிகள். நடுத்தர கால நிதிகள் கடன் பத்திரங்களில் 3-4 ஆண்டுகள் முதிர்ச்சியுடன் முதலீடு செய்கின்றன. இந்த ஃபண்டின் முதிர்வு குறுகிய கால ஃபண்டுகளை விட குறைவாகவும் நீண்ட கால ஃபண்டுகளை விட அதிகமாகவும் இருக்கும்.

பொதுவாக, நடுத்தர கால நிதிகளின் வட்டி விகிதம் குறுகிய கால நிதியை விட அதிகமாக இருக்கும். வெறுமனே, இந்த நிதிகள் குறுகிய கால வட்டி விகிதங்கள் அதிகமாக இருக்கும்போது செயல்பட முனைகின்றன. கடன் நிதிகள் ஆபத்து இல்லாதவை என்று ஒரு பிரபலமான நம்பிக்கை உள்ளது, ஆனால் அவை முற்றிலும் ஆபத்து இல்லாதவை. கடன் சொத்துக்களுடன் இணைக்கப்பட்ட சில நிலையான அபாயங்கள் உள்ளன- வட்டி விகிதம் ஆபத்து, கடன் ஆபத்து மற்றும்நீர்மை நிறை ஆபத்து.

நடுத்தர கால நிதிகளின் வட்டி விகிதம்-ஆபத்தை நாம் பார்த்தால், அது குறுகிய கால நிதியை விட அதிகமாகும். எனவே, இந்த வகையான நிதிகளில் முதலீடு செய்யத் திட்டமிடும் முதலீட்டாளர்கள் முதலீடுகளில் சிறிய அபாயத்தை பொறுத்துக்கொள்ள முடியும்.

கடன் மியூச்சுவல் ஃபண்டுகளில் முதலீடு செய்வதற்கான அம்சங்கள்

கடன் நிதிகளில், ஒருவர் எந்த நேரத்திலும் முதலீட்டிலிருந்து தேவையான நிதியை திரும்பப் பெறலாம், மேலும் மீதமுள்ள நிதியை முதலீடு செய்ய அனுமதிக்கலாம்.
கடன் நிதிகள் வழக்கமான காலத்திற்கு உகந்த வருமானத்தை ஈட்டுவதாகக் கருதப்படுகிறது. உதாரணமாக, டிவிடெண்ட் பேஅவுட்டைத் தேர்ந்தெடுப்பது வழக்கமான ஒரு விருப்பமாக இருக்கலாம்வருமானம் ஓட்டம்.
போலல்லாமல்ஈக்விட்டி நிதிகள், கடன்கள் பாதிக்கப்படாதுசந்தை நிலையற்ற தன்மை, உண்மையில் அவை வட்டி விகித ஆபத்து மற்றும் கடன் அபாயம் போன்ற நிலையான அபாயத்தைக் கொண்டுள்ளன.
கடன் நிதிகளில், நீங்கள் உருவாக்கலாம்நிலையான வருமானம் ஒவ்வொரு மாதமும் ஒரு முறையான திரும்பப் பெறுதல் திட்டத்தைத் தொடங்குவதன் மூலம் (SWP என்பது ஒரு இருப்புஎஸ்ஐபி/தயவு செய்து) ஒரு மாதத்திற்கு ஒரு நிலையான தொகையை திரும்பப் பெறுதல்அடிப்படை. மேலும், தேவைப்படும் போது SWP இன் அளவை மாற்றலாம்.

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2022 - 2023 முதல் 7 சிறந்த செயல்திறன் கொண்ட நடுத்தர கால நிதிகள்

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Medium Term Plan Growth	₹37.1067 ↓ -0.02	₹1,999	3.1	5.8	10.4	13.7	6.9	7.65%	3Y 7M 28D	4Y 10M 24D
Axis Strategic Bond Fund Growth	₹26.695 ↑ 0.00	₹1,979	1.7	4.2	8.7	6.6	7.3	7.82%	3Y 9M 22D	5Y 3M 4D
ICICI Prudential Medium Term Bond Fund Growth	₹42.6961 ↑ 0.02	₹5,723	1.7	4.1	8.1	6.4	7	8.16%	3Y 3M 11D	4Y 4M 17D
SBI Magnum Medium Duration Fund Growth	₹48.9194 ↑ 0.00	₹6,642	1.6	4	8.1	6.2	7.2	7.86%	3Y 7M 20D	5Y 5M 19D
Kotak Medium Term Fund Growth	₹21.6953 ↑ 0.03	₹1,828	1.4	4.4	9.2	6.1	6.1	8.21%	3Y 3M 14D	5Y 25D
Kotak Dynamic Bond Fund Growth	₹35.9471 ↑ 0.03	₹3,014	0.5	3.8	9.4	6	6.5	7.21%	8Y 10M 24D	19Y 4M 28D
L&T Resurgent India Bond Fund Growth	₹19.4615 ↓ 0.00	₹841	1.5	3.8	8.2	5.9	7	7.75%	3Y 9M 22D	5Y 8M 26D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Dec 24

*மேலே சிறந்த பட்டியல்நடுத்தர காலம் மேலே உள்ள AUM/நிகர சொத்துகளைக் கொண்ட நிதிகள்100 கோடி. வரிசைப்படுத்தப்பட்டதுகடந்த 3 வருட வருவாய்.

1. Aditya Birla Sun Life Medium Term Plan

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 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% .

Below is the key information for Aditya Birla Sun Life Medium Term Plan

Aditya Birla Sun Life Medium Term Plan Growth
Launch Date	25 Mar 09
NAV (24 Dec 24)	₹37.1067 ↓ -0.02 (-0.05 %)
Net Assets (Cr)	₹1,999 on 15 Dec 24
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	2.32
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	7.65%
Effective Maturity	4 Years 10 Months 24 Days
Modified Duration	3 Years 7 Months 28 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

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹215,396.
Net Profit of ₹35,396 Invest Now

Returns for Aditya Birla Sun Life Medium Term Plan

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

Duration	Returns
1 Month	0.7%
3 Month	3.1%
6 Month	5.8%
1 Year	10.4%
3 Year	13.7%
5 Year	11.3%
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 15 Dec 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. Axis Strategic Bond Fund

(Erstwhile Axis Income Fund)

To generate optimal returns in the medium term while maintaining liquidity of the portfolio by investing in debt and money market instruments.

Axis Strategic Bond Fund is a Debt - Medium term Bond fund was launched on 28 Mar 12. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8% since its launch. Ranked 7 in Medium term Bond category. Return for 2023 was 7.3% , 2022 was 3.8% and 2021 was 5.2% .

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund Growth
Launch Date	28 Mar 12
NAV (24 Dec 24)	₹26.695 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹1,979 on 30 Nov 24
Category	Debt - Medium term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.06
Sharpe Ratio	2.35
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	7.82%
Effective Maturity	5 Years 3 Months 4 Days
Modified Duration	3 Years 9 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹11,019
30 Nov 21	₹11,642
30 Nov 22	₹12,057
30 Nov 23	₹12,870
30 Nov 24	₹14,033

Axis Strategic Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for Axis Strategic 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 24 Dec 24

Duration	Returns
1 Month	0.8%
3 Month	1.7%
6 Month	4.2%
1 Year	8.7%
3 Year	6.6%
5 Year	7.1%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.3%
2022	3.8%
2021	5.2%
2020	10.5%
2019	7.1%
2018	6.7%
2017	7.5%
2016	11.6%
2015	6.8%
2014	15%

Fund Manager information for Axis Strategic Bond Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	12.08 Yr.
Sachin Jain	1 Feb 23	1.83 Yr.
Akhil Thakker	1 Feb 23	1.83 Yr.

Data below for Axis Strategic Bond Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	10.56%
Debt	89.18%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	51.43%
Government	37.75%
Cash Equivalent	10.56%

Credit Quality

Rating	Value
A	11.16%
AA	39.45%
AAA	49.39%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	6%	₹113 Cr	11,100,000 ↓ -1,000,000
India (Republic of) 6.92% Sovereign Bonds \| -	5%	₹100 Cr	10,000,000 ↑ 10,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	5%	₹99 Cr	9,700,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	5%	₹88 Cr	8,598,700 ↓ -2,401,300
6.79% Govt Stock 2034 Sovereign Bonds \| -	5%	₹87 Cr	8,731,900 ↓ -5,000,000
Nirma Limited Debentures \| -	3%	₹61 Cr	6,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	3%	₹57 Cr	5,600,000
Aadhar Housing Finance Ltd. 8.65% Debentures \| -	3%	₹55 Cr	5,500
DLF Cyber City Developers Ltd. 8.4% Debentures \| -	3%	₹55 Cr	5,500
Rajasthan (Government of ) 7.52% - \| -	3%	₹52 Cr	5,000,000

3. ICICI Prudential Medium Term Bond Fund

(Erstwhile ICICI Prudential Corporate Bond Fund)

To generate income through investments in a range of debt 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 Medium Term Bond Fund is a Debt - Medium term Bond fund was launched on 15 Sep 04. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 23 in Medium term Bond category. Return for 2023 was 7% , 2022 was 4.2% and 2021 was 5.5% .

Below is the key information for ICICI Prudential Medium Term Bond Fund

ICICI Prudential Medium Term Bond Fund Growth
Launch Date	15 Sep 04
NAV (24 Dec 24)	₹42.6961 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹5,723 on 15 Dec 24
Category	Debt - Medium term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.4
Sharpe Ratio	1.74
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	8.16%
Effective Maturity	4 Years 4 Months 17 Days
Modified Duration	3 Years 3 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹11,057
30 Nov 21	₹11,694
30 Nov 22	₹12,142
30 Nov 23	₹12,949
30 Nov 24	₹14,024

ICICI Prudential Medium Term Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for ICICI Prudential Medium Term 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 24 Dec 24

Duration	Returns
1 Month	0.7%
3 Month	1.7%
6 Month	4.1%
1 Year	8.1%
3 Year	6.4%
5 Year	7%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	4.2%
2021	5.5%
2020	10.4%
2019	9.2%
2018	5.1%
2017	6.5%
2016	10.2%
2015	8.4%
2014	12.4%

Fund Manager information for ICICI Prudential Medium Term Bond 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 Medium Term Bond Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	5.66%
Equity	0.89%
Debt	93.16%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	64.29%
Government	28.8%
Cash Equivalent	5.66%
Securitized	0.08%

Credit Quality

Rating	Value
AA	55.37%
AAA	44.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	26%	₹1,515 Cr	149,073,350 ↑ 2,500,000
Godrej Properties Limited Debentures \| -	3%	₹151 Cr	15,000
Oberoi Realty Ltd. Debentures \| -	3%	₹150 Cr	15,000
Pipeline Infrastructure Private Limited Debentures \| -	2%	₹126 Cr	12,400
TVS Credit Services Limited Debentures \| -	2%	₹111 Cr	110
Ess Kay Limited Debentures \| -	2%	₹109 Cr	11,000
Torrent Power Limited Debentures \| -	2%	₹106 Cr	10,500
Nirma Limited Debentures \| -	2%	₹101 Cr	10,000
G R Infraprojects Ltd. Debentures \| -	2%	₹100 Cr	10,000
Tata Projects Limited Debentures \| -	2%	₹100 Cr	1,000

4. SBI Magnum Medium Duration Fund

(Erstwhile SBI Regular Savings Fund)

To provide attractive returns to the Magnum holders / Unit holders either through periodic dividends or through capital appreciation through an actively managed portfolio of debt, equity and money market instruments.

SBI Magnum Medium Duration Fund is a Debt - Medium term Bond fund was launched on 12 Nov 03. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.8% since its launch. Ranked 18 in Medium term Bond category. Return for 2023 was 7.2% , 2022 was 3.4% and 2021 was 3.8% .

Below is the key information for SBI Magnum Medium Duration Fund

SBI Magnum Medium Duration Fund Growth
Launch Date	12 Nov 03
NAV (24 Dec 24)	₹48.9194 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹6,642 on 30 Nov 24
Category	Debt - Medium term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.22
Sharpe Ratio	1.64
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1.5%),12 Months and above(NIL)
Yield to Maturity	7.86%
Effective Maturity	5 Years 5 Months 19 Days
Modified Duration	3 Years 7 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹11,237
30 Nov 21	₹11,723
30 Nov 22	₹12,077
30 Nov 23	₹12,915
30 Nov 24	₹13,990

SBI Magnum Medium Duration 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 Medium Duration Fund

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

Duration	Returns
1 Month	0.8%
3 Month	1.6%
6 Month	4%
1 Year	8.1%
3 Year	6.2%
5 Year	7%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	3.4%
2021	3.8%
2020	12.3%
2019	11.1%
2018	6.2%
2017	7.6%
2016	14%
2015	6.6%
2014	16.5%

Fund Manager information for SBI Magnum Medium Duration Fund

Name	Since	Tenure
Lokesh Mallya	1 Dec 23	1 Yr.
Mohit Jain	30 Nov 17	7.01 Yr.
Pradeep Kesavan	1 Dec 23	1 Yr.

Data below for SBI Magnum Medium Duration Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	13.62%
Debt	86.1%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	50.47%
Government	35.63%
Cash Equivalent	13.62%

Credit Quality

Rating	Value
A	8.35%
AA	46.68%
AAA	44.97%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	12%	₹783 Cr	76,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	10%	₹654 Cr	64,000,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	8%	₹549 Cr	53,500,000
Godrej Properties Limited Debentures \| -	5%	₹301 Cr	30,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	4%	₹284 Cr	27,500,000
Avanse Financial Services Ltd. Debentures \| -	4%	₹250 Cr	25,000
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	4%	₹237 Cr	24,000
Century Textiles And Industried Limited Debentures \| -	3%	₹220 Cr	22,000
Yes Bank Limited Debentures \| -	3%	₹220 Cr	2,250
Renserv Global Pvt Ltd. Debentures \| -	3%	₹210 Cr	21,000

5. Kotak Medium Term Fund

The investment objective of the scheme is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. There is no assurance or guarantee that the investment objective of the scheme will be achieved

Kotak Medium Term Fund is a Debt - Medium term Bond fund was launched on 25 Mar 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 10 in Medium term Bond category. Return for 2023 was 6.1% , 2022 was 3.2% and 2021 was 4.7% .

Below is the key information for Kotak Medium Term Fund

Kotak Medium Term Fund Growth
Launch Date	25 Mar 14
NAV (24 Dec 24)	₹21.6953 ↑ 0.03 (0.12 %)
Net Assets (Cr)	₹1,828 on 30 Nov 24
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.58
Sharpe Ratio	2.17
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-18 Months (2%),18 Months and above(NIL)
Yield to Maturity	8.21%
Effective Maturity	5 Years 25 Days
Modified Duration	3 Years 3 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,796
30 Nov 21	₹11,342
30 Nov 22	₹11,665
30 Nov 23	₹12,324
30 Nov 24	₹13,507

Kotak Medium Term 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 Medium Term Fund

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

Duration	Returns
1 Month	0.7%
3 Month	1.4%
6 Month	4.4%
1 Year	9.2%
3 Year	6.1%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.1%
2022	3.2%
2021	4.7%
2020	8.5%
2019	7%
2018	5.4%
2017	6.6%
2016	10.9%
2015	9.3%
2014

Fund Manager information for Kotak Medium Term Fund

Name	Since	Tenure
Deepak Agrawal	25 Mar 14	10.7 Yr.
Sunit garg	1 Nov 22	2.08 Yr.

Data below for Kotak Medium Term Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	2.4%
Equity	5.68%
Debt	90.25%
Other	1.68%

Debt Sector Allocation

Sector	Value
Corporate	60.44%
Government	29.43%
Cash Equivalent	2.77%

Credit Quality

Rating	Value
A	7.25%
AA	35.78%
AAA	56.97%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	12%	₹216 Cr	21,250,020 ↓ -500,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	10%	₹177 Cr	17,343,470
TATA Steel Limited Debentures \| -	4%	₹75 Cr	750
Pipeline Infrastructure Private Limited Debentures \| -	3%	₹64 Cr	6,280
PTC SANSAR TRUST (AUGUST 24 V) 25/09/2029(SANSAR TRUST)** SO Unlisted bonds \| -	3%	₹60 Cr	600,000,000
Aditya Birla Renewables Limited Debentures \| -	3%	₹60 Cr	6,000
Prestige Projects Private Limited 0.1175% Debentures \| -	3%	₹60 Cr	6,000
Indostar Capital Finance Limited Debentures \| -	3%	₹60 Cr	6,000
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| 542602	3%	₹57 Cr	1,509,149 ↑ 103,913
Century Textiles And Industries Limited Debentures \| -	3%	₹55 Cr	5,500

6. Kotak Dynamic Bond Fund

(Erstwhile Kotak Flexi Debt Scheme)

To maximize returns through active management of a portfolio of debt and money market securities.

Kotak Dynamic Bond Fund is a Debt - Medium term Bond fund was launched on 26 May 08. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8% since its launch. Ranked 23 in Medium term Bond category. Return for 2023 was 6.5% , 2022 was 2.5% and 2021 was 3.2% .

Below is the key information for Kotak Dynamic Bond Fund

Kotak Dynamic Bond Fund Growth
Launch Date	26 May 08
NAV (24 Dec 24)	₹35.9471 ↑ 0.03 (0.08 %)
Net Assets (Cr)	₹3,014 on 30 Nov 24
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.3
Sharpe Ratio	1.12
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.21%
Effective Maturity	19 Years 4 Months 28 Days
Modified Duration	8 Years 10 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹11,128
30 Nov 21	₹11,547
30 Nov 22	₹11,785
30 Nov 23	₹12,461
30 Nov 24	₹13,698

Kotak Dynamic 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 Dynamic 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 24 Dec 24

Duration	Returns
1 Month	0.7%
3 Month	0.5%
6 Month	3.8%
1 Year	9.4%
3 Year	6%
5 Year	6.6%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.5%
2022	2.5%
2021	3.2%
2020	11.7%
2019	11.1%
2018	7.3%
2017	5.6%
2016	13.4%
2015	7.5%
2014	10.5%

Fund Manager information for Kotak Dynamic Bond Fund

Name	Since	Tenure
Deepak Agrawal	25 Nov 12	12.02 Yr.
Abhishek Bisen	1 Nov 22	2.08 Yr.

Data below for Kotak Dynamic Bond Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	19.21%
Equity	4.48%
Debt	74.84%
Other	1.47%

Debt Sector Allocation

Sector	Value
Government	57.78%
Cash Equivalent	19.21%
Corporate	17.06%

Credit Quality

Rating	Value
AA	9.92%
AAA	90.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2053 Sovereign Bonds \| -	41%	₹1,235 Cr	119,500,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	8%	₹231 Cr	22,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	6%	₹184 Cr	18,109,620 ↓ -30,000,000
Muthoot Finance Limited Debentures \| -	5%	₹152 Cr	15,000
HDFC Bank Limited Debentures \| -	3%	₹86 Cr	850
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| 542602	3%	₹85 Cr	2,228,875 ↑ 103,913
HDFC Bank Limited Debentures \| -	3%	₹76 Cr	7,500
TATA Steel Limited Debentures \| -	3%	₹75 Cr	750
HDFC Bank Limited Debentures \| -	2%	₹51 Cr	500
Maharashtra (Government of) 0.0763% - \| -	1%	₹40 Cr	3,850,000

7. L&T Resurgent India Bond Fund

(Erstwhile L&T Resurgent India Corporate Bond Fund)

"To seek to generate income by investing primarily in debt and money market securities of fundamentally strong corporates/companies in growth sectors which are closely associated with the resurgence of domestic economy, with a fl exibility to follow more conservative investment approach during economic downturns. There is no assurance that the objective of the Scheme will be realised and the Scheme does not assure or guarantee any returns."

L&T Resurgent India Bond Fund is a Debt - Medium term Bond fund was launched on 2 Feb 15. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7% since its launch. Return for 2023 was 7% , 2022 was 2.6% and 2021 was 4.5% .

Below is the key information for L&T Resurgent India Bond Fund

L&T Resurgent India Bond Fund Growth
Launch Date	2 Feb 15
NAV (24 Dec 24)	₹19.4615 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹841 on 30 Nov 24
Category	Debt - Medium term Bond
AMC	L&T Investment Management Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.1
Sharpe Ratio	1.55
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (2%),1-2 Years (1%),2 Years and above(NIL)
Yield to Maturity	7.75%
Effective Maturity	5 Years 8 Months 26 Days
Modified Duration	3 Years 9 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,886
30 Nov 21	₹11,491
30 Nov 22	₹11,749
30 Nov 23	₹12,516
30 Nov 24	₹13,578

L&T Resurgent India 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 L&T Resurgent India 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 24 Dec 24

Duration	Returns
1 Month	0.7%
3 Month	1.5%
6 Month	3.8%
1 Year	8.2%
3 Year	5.9%
5 Year	6.4%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	2.6%
2021	4.5%
2020	9.7%
2019	7.3%
2018	4.4%
2017	6.3%
2016	10.8%
2015
2014

Fund Manager information for L&T Resurgent India Bond Fund

Name	Since	Tenure
Kapil Punjabi	26 Nov 22	2.02 Yr.
Shriram Ramanathan	2 Feb 15	9.84 Yr.

Data below for L&T Resurgent India Bond Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	6.95%
Debt	92.8%
Other	0.25%

Debt Sector Allocation

Sector	Value
Government	49.58%
Corporate	43.22%
Cash Equivalent	6.95%

Credit Quality

Rating	Value
AA	19.07%
AAA	80.93%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.32% Govt Stock 2030 Sovereign Bonds \| -	12%	₹102 Cr	10,000,000 ↑ 5,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹65 Cr	6,500,000 ↑ 1,500,000
Small Industries Development Bank Of India Debentures \| -	6%	₹54 Cr	5,000
Rural Electrification Corporation Limited Debentures \| -	6%	₹53 Cr	5,000
Indian Railway Finance Corporation Limited Debentures \| -	6%	₹52 Cr	5,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	4%	₹37 Cr	3,500,000
Power Finance Corp Ltd. Debentures \| -	3%	₹27 Cr	2,500
DHRUVA XXIV Unlisted bonds \| -	3%	₹26 Cr	27
VAJRA 011 TRUST Unlisted bonds \| -	3%	₹26 Cr	28
Shriram Finance Limited Debentures \| -	3%	₹26 Cr	2,500

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