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 November 4, 2024 , 7620 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	₹36.816 ↑ 0.01	₹1,921	3.7	6.7	10.8	13.7	6.9	7.73%	3Y 10M 6D	5Y 1M 10D
Axis Strategic Bond Fund Growth	₹26.4302 ↑ 0.00	₹1,945	2	4.5	9	6.4	7.3	8.03%	3Y 8M 23D	5Y 6M 11D
ICICI Prudential Medium Term Bond Fund Growth	₹42.2985 ↑ 0.01	₹5,947	2	4.2	8.2	6.2	7	8.22%	3Y 1M 20D	4Y 4M 28D
Kotak Dynamic Bond Fund Growth	₹35.8401 ↓ -0.03	₹2,783	2.4	5.7	10.5	6	6.5	7.18%	9Y 7M 17D	23Y 6M 29D
Kotak Medium Term Fund Growth	₹21.5617 ↓ -0.01	₹1,659	2.5	5.2	9.7	6	6.1	8.29%	3Y 3M 29D	5Y 5M 1D
SBI Magnum Medium Duration Fund Growth	₹48.4337 ↑ 0.00	₹6,761	1.9	4.2	8.1	6	7.2	7.8%	3Y 9M 11D	5Y 6M 4D
HDFC Medium Term Debt Fund Growth	₹53.4204 ↓ 0.00	₹4,008	2	4.5	8.4	5.8	6.7	7.79%	3Y 9M	5Y 8M 5D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Nov 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 (06 Nov 24)	₹36.816 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹1,921 on 30 Sep 24
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	1.55
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
31 Oct 19	₹10,000
31 Oct 20	₹9,829
31 Oct 21	₹10,863
31 Oct 22	₹13,465
31 Oct 23	₹14,377
31 Oct 24	₹15,955

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201 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 6 Nov 24

Duration	Returns
1 Month	2.3%
3 Month	3.7%
6 Month	6.7%
1 Year	10.8%
3 Year	13.7%
5 Year	9.8%
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	10.09 Yr.
Mohit Sharma	6 Aug 20	4.15 Yr.
Dhaval Joshi	21 Nov 22	1.86 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	7.65%
Equity	3.26%
Debt	87.69%
Other	1.4%

Debt Sector Allocation

Sector	Value
Government	49%
Corporate	37.88%
Cash Equivalent	7.65%
Securitized	0.81%

Credit Quality

Rating	Value
A	2.58%
AA	33.14%
AAA	64.28%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.18 Goi 2033 Sovereign Bonds \| -	29%	₹550 Cr	53,500,000 ↓ -500,000
7.26% Govt Stock 2033 Sovereign Bonds \| -	11%	₹206 Cr	20,000,000
07.18 Goi 2028 Sovereign Bonds \| -	6%	₹108 Cr	10,500,000
Adani Airport Holdings Ltd. 9.35% Debentures \| -	3%	₹52 Cr	5,300 ↑ 5,300
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 \| -	2%	₹48 Cr	4,800
Hinduja Housing Finance Limited 8.85% Debentures \| -	2%	₹46 Cr	4,600
JM Financial Products Limited Debentures \| -	2%	₹40 Cr	4,000

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 (06 Nov 24)	₹26.4302 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹1,945 on 30 Sep 24
Category	Debt - Medium term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.06
Sharpe Ratio	1.76
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	8.03%
Effective Maturity	5 Years 6 Months 11 Days
Modified Duration	3 Years 8 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,032
31 Oct 21	₹11,683
31 Oct 22	₹12,068
31 Oct 23	₹12,896
31 Oct 24	₹14,071

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 6 Nov 24

Duration	Returns
1 Month	0.7%
3 Month	2%
6 Month	4.5%
1 Year	9%
3 Year	6.4%
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	11.91 Yr.
Sachin Jain	1 Feb 23	1.66 Yr.
Akhil Thakker	1 Feb 23	1.66 Yr.

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

Asset Allocation

Asset Class	Value
Cash	8.69%
Debt	91.05%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	53.94%
Government	37.11%
Cash Equivalent	8.69%

Credit Quality

Rating	Value
A	11.26%
AA	34.59%
AAA	54.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.23 Goi 2064 Sovereign Bonds \| -	16%	₹307 Cr	29,500,000 ↑ 10,500,000
07.18 Goi 2033 Sovereign Bonds \| -	8%	₹158 Cr	15,400,000 ↓ -16,000,000
Nirma Limited Debentures \| -	3%	₹60 Cr	6,000
07.18 Goi 2028 Sovereign Bonds \| -	3%	₹58 Cr	5,600,000
DLF Cyber City Developers Limited 8.4% Debentures \| -	3%	₹55 Cr	5,500
Aadhar Housing Finance Ltd. 8.65% Debentures \| -	3%	₹55 Cr	5,500
Rajasthan (Government of ) 7.52% - \| -	3%	₹52 Cr	5,000,000
Tata Projects Limited Debentures \| -	3%	₹49 Cr	4,900
Mahanagar Telephone Nigam Limited Debentures \| -	2%	₹48 Cr	5,000
Century Textiles And Industried Limited Debentures \| -	2%	₹45 Cr	4,500

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 (06 Nov 24)	₹42.2985 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹5,947 on 15 Oct 24
Category	Debt - Medium term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.4
Sharpe Ratio	1.22
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	8.22%
Effective Maturity	4 Years 4 Months 28 Days
Modified Duration	3 Years 1 Month 20 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,088
31 Oct 21	₹11,789
31 Oct 22	₹12,198
31 Oct 23	₹13,027
31 Oct 24	₹14,119

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 6 Nov 24

Duration	Returns
1 Month	0.7%
3 Month	2%
6 Month	4.2%
1 Year	8.2%
3 Year	6.2%
5 Year	7.1%
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	7.9 Yr.
Akhil Kakkar	22 Jan 24	0.69 Yr.

Data below for ICICI Prudential Medium Term Bond Fund as on 15 Oct 24

Asset Allocation

Asset Class	Value
Cash	6.46%
Equity	0.85%
Debt	92.4%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	64.56%
Government	29.44%
Cash Equivalent	4.79%
Securitized	0.07%

Credit Quality

Rating	Value
AA	51.46%
AAA	48.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.10%Goi 08/04/2034 Sovereign Bonds \| -	18%	₹1,083 Cr	105,741,750 ↑ 20,000,000
07.18 Goi 14082033 Sovereign Bonds \| -	7%	₹428 Cr	41,700,650 ↓ -27,500,000
Godrej Properties Limited Debentures \| -	3%	₹150 Cr	15,000
The Great Eastern Shipping Company Limited Debentures \| -	3%	₹150 Cr	1,500
Pipeline Infrastructure Private Limited Debentures \| -	2%	₹127 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
Govt Stock 22092033 Sovereign Bonds \| -	2%	₹103 Cr	10,000,000
Nirma Limited Debentures \| -	2%	₹101 Cr	10,000

4. 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 8.1% 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 (06 Nov 24)	₹35.8401 ↓ -0.03 (-0.08 %)
Net Assets (Cr)	₹2,783 on 30 Sep 24
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.3
Sharpe Ratio	1.62
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.18%
Effective Maturity	23 Years 6 Months 29 Days
Modified Duration	9 Years 7 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,136
31 Oct 21	₹11,582
31 Oct 22	₹11,775
31 Oct 23	₹12,458
31 Oct 24	₹13,816

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 6 Nov 24

Duration	Returns
1 Month	0.4%
3 Month	2.4%
6 Month	5.7%
1 Year	10.5%
3 Year	6%
5 Year	6.7%
10 Year
15 Year
Since launch	8.1%

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	11.85 Yr.
Abhishek Bisen	1 Nov 22	1.92 Yr.

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

Asset Allocation

Asset Class	Value
Cash	2.42%
Equity	4.8%
Debt	91.2%
Other	1.58%

Debt Sector Allocation

Sector	Value
Government	72.96%
Corporate	18.23%
Cash Equivalent	2.42%

Credit Quality

Rating	Value
AA	10.14%
AAA	89.86%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2053 Sovereign Bonds \| -	45%	₹1,256 Cr	119,500,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	8%	₹235 Cr	22,500,000
07.18 Goi 2028 Sovereign Bonds \| -	6%	₹170 Cr	16,500,420 ↓ -1,000,000
Muthoot Finance Limited Debentures \| -	5%	₹151 Cr	15,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	5%	₹135 Cr	12,799,600 ↑ 2,799,600
7.46% Govt Stock 2073 Sovereign Bonds \| -	4%	₹108 Cr	10,000,000
HDFC Bank Limited Debentures \| -	3%	₹86 Cr	850
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| EMBASSY	3%	₹85 Cr	2,175,339
HDFC Bank Limited Debentures \| -	3%	₹76 Cr	7,500
TATA Steel Limited Debentures \| -	3%	₹76 Cr	750

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 7.5% 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 (06 Nov 24)	₹21.5617 ↓ -0.01 (-0.04 %)
Net Assets (Cr)	₹1,659 on 30 Sep 24
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.58
Sharpe Ratio	2.28
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	8.29%
Effective Maturity	5 Years 5 Months 1 Day
Modified Duration	3 Years 3 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,822
31 Oct 21	₹11,429
31 Oct 22	₹11,734
31 Oct 23	₹12,384
31 Oct 24	₹13,626

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 6 Nov 24

Duration	Returns
1 Month	0.7%
3 Month	2.5%
6 Month	5.2%
1 Year	9.7%
3 Year	6%
5 Year	6.4%
10 Year
15 Year
Since launch	7.5%

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	10.53 Yr.
Sunit garg	1 Nov 22	1.92 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.06%
Equity	6.33%
Debt	88.73%
Other	1.88%

Debt Sector Allocation

Sector	Value
Corporate	63.21%
Government	25.52%
Cash Equivalent	3.06%

Credit Quality

Rating	Value
A	8.16%
AA	38.22%
AAA	53.62%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.18 Goi 2033 Sovereign Bonds \| -	14%	₹230 Cr	22,343,450
7.1% Govt Stock 2034 Sovereign Bonds \| -	6%	₹92 Cr	9,000,020
TATA Steel Limited Debentures \| -	5%	₹76 Cr	750
Pipeline Infrastructure Ltd. 0.0796% Debentures \| -	4%	₹64 Cr	6,280
Aditya Birla Renewables Limited Debentures \| -	4%	₹60 Cr	6,000 ↑ 6,000
Prestige Projects Private Limited 0.1175% Debentures \| -	4%	₹60 Cr	6,000
Indostar Capital Finance Limited Debentures \| -	4%	₹60 Cr	6,000
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| EMBASSY	3%	₹57 Cr	1,455,613
Century Textiles And Industries Limited Debentures \| -	3%	₹55 Cr	5,500
7.3% Govt Stock 2053 Sovereign Bonds \| -	3%	₹53 Cr	5,000,000

6. 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 (06 Nov 24)	₹48.4337 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹6,761 on 15 Oct 24
Category	Debt - Medium term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.22
Sharpe Ratio	1.31
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	7.8%
Effective Maturity	5 Years 6 Months 4 Days
Modified Duration	3 Years 9 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,264
31 Oct 21	₹11,779
31 Oct 22	₹12,074
31 Oct 23	₹12,968
31 Oct 24	₹14,033

SBI Magnum Medium Duration 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 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 6 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	4.2%
1 Year	8.1%
3 Year	6%
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	0.84 Yr.
Mohit Jain	30 Nov 17	6.84 Yr.
Pradeep Kesavan	1 Dec 23	0.84 Yr.

Data below for SBI Magnum Medium Duration Fund as on 15 Oct 24

Asset Allocation

Asset Class	Value
Cash	10.45%
Debt	89.28%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	47.34%
Government	41.94%
Cash Equivalent	10.45%

Credit Quality

Rating	Value
A	7.85%
AA	38.47%
AAA	53.68%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.10%Goi 08/04/2034 Sovereign Bonds \| -	16%	₹1,076 Cr	105,000,000 ↑ 20,000,000
07.18 Goi 14082033 Sovereign Bonds \| -	12%	₹786 Cr	76,500,000
07.18 Goi 24072037 Sovereign Bonds \| -	8%	₹552 Cr	53,500,000
Godrej Properties Limited Debentures \| -	4%	₹301 Cr	30,000
Tata Housing Development Company Limited Debentures \| -	4%	₹300 Cr	30,000
7.23% Goi 15/04/2039 Sovereign Bonds \| -	4%	₹286 Cr	27,500,000 ↑ 15,000,000
Avanse Financial Services Ltd. Debentures \| -	4%	₹250 Cr	25,000
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	3%	₹237 Cr	24,000
Jindal Stainless Limited Debentures \| -	3%	₹233 Cr	2,400
Yes Bank Limited Debentures \| -	3%	₹219 Cr	2,250

7. HDFC Medium Term Debt Fund

(Erstwhile HDFC High Interest Fund - Short Term Plan)

To generate income by investing in a range of debt and money market instruments of various maturity dates with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. The objective is to cater to the needs of investors with shorter term investment horizons and to provide stable returns over shorter periods.

HDFC Medium Term Debt Fund is a Debt - Medium term Bond fund was launched on 6 Feb 02. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.6% since its launch. Ranked 22 in Medium term Bond category. Return for 2023 was 6.7% , 2022 was 2.9% and 2021 was 5% .

Below is the key information for HDFC Medium Term Debt Fund

HDFC Medium Term Debt Fund Growth
Launch Date	6 Feb 02
NAV (06 Nov 24)	₹53.4204 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹4,008 on 15 Oct 24
Category	Debt - Medium term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.29
Sharpe Ratio	1.16
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity	7.79%
Effective Maturity	5 Years 8 Months 5 Days
Modified Duration	3 Years 9 Months

Growth of 10,000 investment over the years.

Date	Value

HDFC Medium Term Debt 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 HDFC Medium Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	2%
6 Month	4.5%
1 Year	8.4%
3 Year	5.8%
5 Year	6.6%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.7%
2022	2.9%
2021	5%
2020	10%
2019	9.1%
2018	5.6%
2017	5.5%
2016	11.5%
2015	7.4%
2014	11.2%

Fund Manager information for HDFC Medium Term Debt Fund

Name	Since	Tenure
Shobhit Mehrotra	1 Sep 07	17.09 Yr.
Dhruv Muchhal	22 Jun 23	1.28 Yr.

Data below for HDFC Medium Term Debt Fund as on 15 Oct 24

Asset Allocation

Asset Class	Value
Cash	5.29%
Equity	0.66%
Debt	93.78%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	56.27%
Government	37.15%
Cash Equivalent	4.67%
Securitized	0.97%

Credit Quality

Rating	Value
AA	37.77%
AAA	62.23%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.18 Goi 2028 Sovereign Bonds \| -	8%	₹310 Cr	30,047,700
6.54% Govt Stock 2032 Sovereign Bonds \| -	4%	₹148 Cr	15,000,000
Tata Steel Limited Debentures \| -	4%	₹147 Cr	14,500
07.23 Goi 2064 Sovereign Bonds \| -	3%	₹140 Cr	13,500,000
7.26% Govt Stock 2033 Sovereign Bonds \| -	3%	₹129 Cr	12,500,000
Kalpataru Power Transmission Limited Debentures \| -	2%	₹100 Cr	10,000
Small Business Fincredit India Private Limited Debentures \| -	2%	₹99 Cr	10,000
6.1% Govt Stock 2031 Sovereign Bonds \| -	2%	₹97 Cr	10,000,000
07.18 Goi 2033 Sovereign Bonds \| -	2%	₹77 Cr	7,500,000
The Tata Power Company Limited Debentures \| -	2%	₹77 Cr	725 ↑ 350

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