Table of Contents
ఎఫ్ డి vsరుణ నిధి? ఆలోచిస్తున్నానుఎక్కడ పెట్టుబడి పెట్టాలి మంచి రాబడిని సంపాదించడానికి మీ పొదుపు. సాధారణంగా, ప్రజలు భావిస్తారుపెట్టుబడి పెడుతున్నారు ఫిక్స్డ్ డిపాజిట్ లేదా ఎఫ్డిలో సురక్షితమైనది మరియు ఫిక్స్డ్ రిటర్న్లను అందించే అత్యంత అనుకూలమైన ఎంపిక. అయితే ఇది ఉత్తమమైన మార్గమా? ఫిక్స్డ్ డిపాజిట్ అందరికీ సులభమైన పెట్టుబడి ఎంపిక అయినప్పటికీ, డెట్ ఫండ్తో పోలిస్తే పన్ను విధించదగిన ఫిక్స్డ్ డిపాజిట్ల రాబడి చాలా తక్కువ. అంతేకాకుండా, ఎక్కువ కాలం పాటు ఉంచినప్పుడు, అప్పుమ్యూచువల్ ఫండ్స్ మంచి రాబడిని అందిస్తాయి. డెట్ మ్యూచువల్ ఫండ్స్ లేదా ఫిక్స్డ్ డిపాజిట్లలో ఇన్వెస్ట్ చేయడానికి తుది నిర్ణయం తీసుకునే ముందు, ఈ ఇన్వెస్ట్మెంట్ల వివరణాత్మక పోలికను పరిశీలించండి.
క్లుప్తంగా:
రిస్క్ తీసుకోగల సామర్థ్యం మరియు ఉద్దేశించిన హోల్డింగ్ వ్యవధి ద్వారా మేము దీన్ని విచ్ఛిన్నం చేయాలిపెట్టుబడిదారుడు ప్రశ్నలో.
ఇక్కడ డెట్ ఫండ్ ఎంపికలు పరిమితం చేయబడతాయిలిక్విడ్ ఫండ్స్, అల్ట్రా-స్వల్పకాలిక నిధులు మరియు స్వల్పకాలికఆదాయం నిధులు. రాబడులు లేదా దిగుబడులు సాధారణంగా లిక్విడ్ నుండి అల్ట్రా-షార్ట్కు షార్ట్ టర్మ్ ఫండ్కు ఎక్కువగా వెళుతుండగా, ఈ డెట్ ఫండ్లు మరియు ఫిక్స్డ్ డిపాజిట్ మధ్య దిగుబడి వ్యత్యాసాన్ని గత ఒక సంవత్సరంలో వాటి రాబడిని పరిగణనలోకి తీసుకుని నిర్ణయించవచ్చు.
డెట్ మ్యూచువల్ ఫండ్ రకం | గత 1 సంవత్సరం. రాబడి (%) |
---|---|
లిక్విడ్ ఫండ్ | 7.36 |
అల్ట్రా స్వల్పకాలిక రుణ నిధులు | 9.18 |
స్వల్పకాలిక రుణ నిధులు | 9.78 |
డైనమిక్ డెట్ ఫండ్స్ | 13.89 |
దీర్ఘకాలిక రుణ నిధులు | 13.19 |
గిల్ట్ స్వల్పకాలిక నిధులు | 11.76 |
గిల్ట్ దీర్ఘకాలిక నిధులు | 15.06 |
20 ఫిబ్రవరి 2017 నాటి డేటా |
ఫిక్స్డ్ డిపాజిట్ల సగటు రాబడి రేటు 8-8.5% p.a. 2016 సంవత్సరంలో (కాబట్టి పైన పేర్కొన్న రాబడిని పట్టికలో పోల్చవచ్చు). అయితే, గత ఒక సంవత్సరంలో, రాబడి రేటు 6.6-7.5% p.a.కి పడిపోయింది.
పై ఉదాహరణతో, ఫిక్స్డ్ డిపాజిట్ల కంటే డెట్ ఫండ్ల సగటు రాబడి రేటు మెరుగ్గా ఉందని స్పష్టమవుతుంది.
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సుదీర్ఘ ఉద్దేశించిన హోల్డింగ్ వ్యవధితో, డెట్ ఫండ్లు FDల కంటే మెరుగ్గా ఉన్నాయని నిరూపించవచ్చు.
ఇక్కడ పెట్టుబడి పెట్టడానికి ఎంపికలు:
హోల్డింగ్ వ్యవధి 3 సంవత్సరాలు లేదా అంతకంటే ఎక్కువ ఉండవచ్చు కాబట్టి, మేము ఈ క్రింది వాటిని చెప్పగలము:
దీర్ఘ-కాల ఆదాయ ఫండ్లపై రాబడికి దిగువ ఉదాహరణను తీసుకోండి, వర్గానికి సగటు చివరి 1-సంవత్సరం రాబడి 12.19% మరియు గత 3 సంవత్సరాలలో 10.32% p.a. ఈ కాలంలో ఏ FD కూడా ఇలాంటి రాబడిని ఇవ్వలేదు. గిల్ట్ ఫండ్ రాబడులు మరింత ఎక్కువగా ఉన్నాయి. ఇదే కాలంలో, గత సంవత్సరం FD రేట్లు చాలా బ్యాంకుల్లో సంవత్సరానికి 8-8.5%కి దగ్గరగా ఉండేవి, (ఈరోజు రేట్లు 6.5 - 7.5%కి తగ్గాయి)
కాబట్టి ఇన్వెస్టర్కు దీర్ఘకాలంగా హోల్డింగ్ పీరియడ్ మరియు వడ్డీ రేట్లు తగ్గడంతో, డెట్ ఫండ్ (దీర్ఘకాలిక ఆదాయం లేదా గిల్ట్) FD కంటే మెరుగైన రాబడిని ఇస్తుంది. వడ్డీ రేట్లు తగ్గని సందర్భంలో కూడా, అధిక రాబడి కార్పొరేట్ బాండ్ ఫండ్లు అదే కాలంలో FDలను బీట్ చేస్తాయి.
డెట్ ఫండ్లు మరియు ఫిక్స్డ్ డిపాజిట్ల రాబడిని నిర్ణయించడంలో కూడా పన్నులు ముఖ్యమైన పాత్ర పోషిస్తాయి. సాధారణంగా, ఫిక్స్డ్ డిపాజిట్లపై పన్ను 33% (పన్ను యొక్క ఉపాంత రేటు) అయితే డెట్ ఫండ్లపై 3 సంవత్సరాల కంటే తక్కువ వీక్షణతో పెట్టుబడి పెడితే డిడిటి (డివిడెండ్ డిస్ట్రిబ్యూషన్ ట్యాక్స్) తీసివేయబడినందున డివిడెండ్ పంపిణీ పన్ను చెల్లించడం మంచి ఎంపిక. సుమారుగా 25% (+సర్ఛార్జ్ మొదలైనవి). ఫిక్స్డ్ డిపాజిట్ల కంటే డెట్ మ్యూచువల్ ఫండ్స్పై పన్ను చాలా తక్కువగా ఉందని ఇది చూపిస్తుంది.
రుణ నిధులతో వచ్చే అదనపు ప్రయోజనాలు:
సారాంశముగా:
పారామితులు | మ్యూచువల్ ఫండ్స్ | ఫిక్స్డ్ డిపాజిట్లు |
---|---|---|
రాబడి రేటు | హామీ ఇవ్వబడిన రిటర్న్లు లేవు | స్థిర రిటర్న్స్ |
ద్రవ్యోల్బణం సర్దుబాటు చేసిన రిటర్న్స్ | అధిక ద్రవ్యోల్బణం సర్దుబాటు చేసిన రాబడుల సంభావ్యత | సాధారణంగా తక్కువ ద్రవ్యోల్బణం సర్దుబాటు చేసిన రాబడులు |
ప్రమాదం | తక్కువ నుండి అధిక ప్రమాదం (నిధిపై ఆధారపడి ఉంటుంది | తక్కువ ప్రమాదం |
లిక్విడిటీ | ద్రవం | ద్రవం |
అకాల ఉపసంహరణ | ఎగ్జిట్ లోడ్/నో లోడ్తో అనుమతించబడింది | పెనాల్టీతో అనుమతించబడింది |
పెట్టుబడి ఖర్చు | నిర్వహణ ఖర్చు/వ్యయ నిష్పత్తి | ఖర్చు లేదు |
పైన నికర ఆస్తులు/AUM ఉన్న డెట్ ఫండ్ల జాబితా క్రింద ఉంది1000 కోట్లు
మరియు 3 సంవత్సరాల సమ్మేళనంపై క్రమబద్ధీకరించబడింది (CAGR) తిరిగి వస్తుంది.
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 (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 The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations. UTI Treasury Advantage Fund is a Debt - Low Duration fund was launched on 23 Apr 07. It is a fund with Moderately Low risk and has given a Below is the key information for UTI Treasury Advantage Fund Returns up to 1 year are on To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt. UTI Short Term Income Fund is a Debt - Short term Bond fund was launched on 19 Sep 07. It is a fund with Moderate risk and has given a Below is the key information for UTI Short Term Income Fund 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 Reliance Liquid Fund - Cash Plan) The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a Below is the key information for Nippon India Ultra Short Duration 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 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 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 (02 Jul 24) ₹35.095 ↑ 0.01 (0.04 %) Net Assets (Cr) ₹1,859 on 31 May 24 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.52 Sharpe Ratio -0.62 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 8.06% Effective Maturity 5 Years 1 Month 2 Days Modified Duration 3 Years 8 Months 26 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹9,331 30 Jun 21 ₹10,684 30 Jun 22 ₹11,462 30 Jun 23 ₹14,231 30 Jun 24 ₹15,264 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 2 Jul 24 Duration Returns 1 Month 1.1% 3 Month 2.3% 6 Month 4.3% 1 Year 7.3% 3 Year 12.6% 5 Year 8.8% 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 9.76 Yr. Mohit Sharma 6 Aug 20 3.82 Yr. Dhaval Joshi 21 Nov 22 1.53 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 May 24
Asset Allocation
Asset Class Value Cash 7.06% Equity 2.04% Debt 89.55% Other 1.35% Debt Sector Allocation
Sector Value Government 46.97% Corporate 41.79% Cash Equivalent 7.06% Securitized 0.78% Credit Quality
Rating Value A 4.04% AA 29.96% AAA 66% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -26% ₹479 Cr 47,500,000
↑ 30,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -11% ₹203 Cr 20,000,000
↓ -24,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -5% ₹101 Cr 10,000,000 JSW Steel Limited
Debentures | -3% ₹50 Cr 500 Belstar Microfinance Limited
Debentures | -3% ₹50 Cr 5,000 Creditaccess Grameen Limited
Debentures | -3% ₹50 Cr 500,000 Piramal Capital & Housing Finance Ltd. 8.73607%
Debentures | -3% ₹48 Cr 4,800
↑ 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. 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 (02 Jul 24) ₹32.0096 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹1,029 on 31 May 24 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.64 Sharpe Ratio 1.37 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 9% Effective Maturity 2 Years 1 Month 24 Days Modified Duration 1 Year 9 Months 25 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹9,123 30 Jun 21 ₹9,943 30 Jun 22 ₹10,975 30 Jun 23 ₹11,804 30 Jun 24 ₹12,699 Returns for Nippon India Credit Risk Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Jul 24 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 3.9% 1 Year 7.6% 3 Year 8.5% 5 Year 4.9% 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 6.02 Yr. Sushil Budhia 1 Feb 20 4.33 Yr. Data below for Nippon India Credit Risk Fund as on 31 May 24
Asset Allocation
Asset Class Value Cash 7.37% Debt 92.38% Other 0.26% Debt Sector Allocation
Sector Value Corporate 80.67% Government 11.71% Cash Equivalent 7.37% Credit Quality
Rating Value A 19.86% AA 48.33% AAA 31.81% Top Securities Holdings / Portfolio
Name Holding Value Quantity Summit Digitel Infrastructure Limited
Debentures | -6% ₹61 Cr 620 JSW Steel Limited
Debentures | -5% ₹50 Cr 500 7.1% Govt Stock 2029
Sovereign Bonds | -5% ₹50 Cr 5,000,000 7.06% Govt Stock 2028
Sovereign Bonds | -5% ₹50 Cr 5,000,000 Indinfravit Trust
Debentures | -5% ₹49 Cr 5,000 Prestige Projects Private Limited 11.75%
Debentures | -4% ₹40 Cr 4,000 Greenlam Industries Limited
Debentures | -4% ₹40 Cr 405
↓ -45 DLF Cyber City Developers Limited 8.4%
Debentures | -4% ₹40 Cr 4,000 Shriram Housing Finance Limited 9.25%
Debentures | -4% ₹40 Cr 4,000 Lodha Developers Private Limited
Debentures | -4% ₹38 Cr 378 3. UTI Treasury Advantage Fund
CAGR/Annualized
return of 7.2% since its launch. Ranked 15 in Low Duration
category. Return for 2023 was 7.1% , 2022 was 4.5% and 2021 was 9% . UTI Treasury Advantage Fund
Growth Launch Date 23 Apr 07 NAV (02 Jul 24) ₹3,284.21 ↑ 1.24 (0.04 %) Net Assets (Cr) ₹2,456 on 31 May 24 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.44 Sharpe Ratio 0.23 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.73% Effective Maturity 11 Months 16 Days Modified Duration 10 Months 17 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹10,887 30 Jun 21 ₹11,385 30 Jun 22 ₹12,378 30 Jun 23 ₹13,190 30 Jun 24 ₹14,131 Returns for UTI Treasury Advantage Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Jul 24 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.7% 1 Year 7.3% 3 Year 7.5% 5 Year 7.2% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.1% 2022 4.5% 2021 9% 2020 7.3% 2019 -4.2% 2018 7.3% 2017 7% 2016 8.9% 2015 8.8% 2014 9.3% Fund Manager information for UTI Treasury Advantage Fund
Name Since Tenure Anurag Mittal 1 Dec 21 2.5 Yr. Data below for UTI Treasury Advantage Fund as on 31 May 24
Asset Allocation
Asset Class Value Cash 46.15% Debt 53.5% Other 0.34% Debt Sector Allocation
Sector Value Corporate 59.21% Cash Equivalent 27.51% Government 12.93% Credit Quality
Rating Value AA 6.13% AAA 93.87% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Finance Corporation Limited
Debentures | -6% ₹149 Cr 1,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹100 Cr 10,000 Kotak Mahindra Bank Ltd.
Debentures | -4% ₹96 Cr 1,000,000,000
↑ 500,000,000 Rural Electrification Corporation Limited
Debentures | -3% ₹75 Cr 7,500 91 DTB 15082024
Sovereign Bonds | -3% ₹74 Cr 750,000,000
↑ 750,000,000 Power Finance Corporation Limited
Debentures | -3% ₹74 Cr 750 ICICI Bank Ltd.
Debentures | -3% ₹72 Cr 750,000,000 Rec Limited
Debentures | -2% ₹54 Cr 550 Rural Electrification Corporation Limited
Debentures | -2% ₹50 Cr 5,000 Nirma Limited
Debentures | -2% ₹50 Cr 5,000 4. UTI Short Term Income Fund
CAGR/Annualized
return of 6.6% since its launch. Ranked 10 in Short term Bond
category. Return for 2023 was 6.9% , 2022 was 3.8% and 2021 was 8.4% . UTI Short Term Income Fund
Growth Launch Date 19 Sep 07 NAV (02 Jul 24) ₹29.2256 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹2,673 on 31 May 24 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.95 Sharpe Ratio -0.2 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.52% Effective Maturity 3 Years 1 Month 28 Days Modified Duration 2 Years 6 Months 22 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹11,207 30 Jun 21 ₹11,786 30 Jun 22 ₹12,674 30 Jun 23 ₹13,535 30 Jun 24 ₹14,491 Returns for UTI Short Term Income Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Jul 24 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.8% 1 Year 7.1% 3 Year 7.1% 5 Year 7.7% 10 Year 15 Year Since launch 6.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.9% 2022 3.8% 2021 8.4% 2020 10.5% 2019 -3.9% 2018 6% 2017 6.1% 2016 10.1% 2015 8.3% 2014 10.9% Fund Manager information for UTI Short Term Income Fund
Name Since Tenure Sudhir Agarwal 25 Oct 12 11.61 Yr. Data below for UTI Short Term Income Fund as on 31 May 24
Asset Allocation
Asset Class Value Cash 22.83% Debt 76.94% Other 0.23% Debt Sector Allocation
Sector Value Corporate 61.7% Government 19.71% Cash Equivalent 18.36% Credit Quality
Rating Value AA 7.69% AAA 92.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -10% ₹277 Cr 2,750,000,000
↑ 2,000,000,000 ICICI Bank Ltd.
Debentures | -9% ₹237 Cr 2,500,000,000 National Bank For Agriculture And Rural Development
Debentures | -8% ₹225 Cr 22,500 LIC Housing Finance Limited
Debentures | -8% ₹225 Cr 2,250 Power Finance Corporation Ltd.
Debentures | -8% ₹201 Cr 20,000 Small Industries Development Bank of India
Debentures | -7% ₹200 Cr 20,000 Union Bank of India
Domestic Bonds | -7% ₹189 Cr 2,000,000,000 182 DTB 29082024
Sovereign Bonds | -6% ₹148 Cr 1,500,000,000 Kotak Mahindra Bank Ltd.
Debentures | -4% ₹95 Cr 1,000,000,000 India Grid TRust
Debentures | -3% ₹75 Cr 750 5. 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 (02 Jul 24) ₹42.436 ↑ 0.02 (0.05 %) Net Assets (Cr) ₹1,699 on 31 May 24 Category Debt - Dynamic Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.35 Sharpe Ratio -0.12 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 7.34% Effective Maturity 13 Years 10 Months 2 Days Modified Duration 7 Years 7 Months 24 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹10,092 30 Jun 21 ₹10,858 30 Jun 22 ₹11,113 30 Jun 23 ₹12,245 30 Jun 24 ₹13,141 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 2 Jul 24 Duration Returns 1 Month 0.7% 3 Month 2.2% 6 Month 4.4% 1 Year 7.4% 3 Year 6.6% 5 Year 5.6% 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 3.2 Yr. Bhupesh Bameta 6 Aug 20 3.82 Yr. Dhaval Joshi 21 Nov 22 1.53 Yr. Data below for Aditya Birla Sun Life Dynamic Bond Fund as on 31 May 24
Asset Allocation
Asset Class Value Cash 6.13% Debt 93.6% Other 0.27% Debt Sector Allocation
Sector Value Government 90.44% Cash Equivalent 6.13% Corporate 2.88% Securitized 0.29% Credit Quality
Rating Value AA 2.42% AAA 97.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2037
Sovereign Bonds | -35% ₹597 Cr 59,000,000
↓ -20,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -21% ₹353 Cr 35,000,000
↑ 34,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -12% ₹209 Cr 20,500,000
↑ 17,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -9% ₹149 Cr 14,500,000
↓ -7,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -5% ₹91 Cr 9,000,000
↓ -20,000,000 7.25% Govt Stock 2063
Sovereign Bonds | -3% ₹51 Cr 5,000,000 7.17% Govt Stock 2030
Sovereign Bonds | -2% ₹30 Cr 3,000,000 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 6. Nippon India Ultra Short Duration Fund
CAGR/Annualized
return of 6% since its launch. Ranked 62 in Ultrashort Bond
category. Return for 2023 was 6.7% , 2022 was 4.6% and 2021 was 7.8% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (02 Jul 24) ₹3,757.4 ↑ 1.40 (0.04 %) Net Assets (Cr) ₹6,323 on 31 May 24 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.17 Sharpe Ratio -0.92 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.85% Effective Maturity 6 Months 15 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹10,195 30 Jun 21 ₹10,769 30 Jun 22 ₹11,448 30 Jun 23 ₹12,156 30 Jun 24 ₹12,996 Returns for Nippon India Ultra Short Duration Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Jul 24 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.6% 1 Year 7% 3 Year 6.5% 5 Year 5.4% 10 Year 15 Year Since launch 6% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.7% 2022 4.6% 2021 7.8% 2020 4.9% 2019 0.9% 2018 7.3% 2017 5.8% 2016 6.8% 2015 7.6% 2014 8.4% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 10.67 Yr. Kinjal Desai 25 May 18 6.02 Yr. Akshay Sharma 1 Dec 22 1.5 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 May 24
Asset Allocation
Asset Class Value Cash 57.28% Debt 42.51% Other 0.22% Debt Sector Allocation
Sector Value Corporate 63.89% Cash Equivalent 24.76% Government 10.52% Securitized 0.61% Credit Quality
Rating Value AA 16.34% AAA 83.66% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -8% ₹492 Cr 50,000,000 Power Finance Corporation Limited
Debentures | -4% ₹266 Cr 2,650 Dlf Cyber City Developers Ltd
Debentures | -4% ₹258 Cr 2,590
↑ 1,200 Indinfravit Trust
Debentures | -3% ₹215 Cr 22,000 182 DTB 22082024
Sovereign Bonds | -3% ₹193 Cr 19,500,000 Rec Limited
Debentures | -3% ₹180 Cr 1,850
↑ 500 India (Republic of)
- | -2% ₹103 Cr 10,500,000 Shriram Finance Limited
Debentures | -2% ₹100 Cr 1,000 National Housing Bank
Debentures | -2% ₹100 Cr 10,000 PNb Housing Finance Limited
Debentures | -2% ₹100 Cr 10,000 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 (02 Jul 24) ₹42.0528 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹2,464 on 31 May 24 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.95 Sharpe Ratio 0.15 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 8.53% Effective Maturity 3 Years 11 Months 1 Day Modified Duration 2 Years 6 Months Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹10,861 30 Jun 21 ₹11,679 30 Jun 22 ₹12,116 30 Jun 23 ₹13,114 30 Jun 24 ₹14,089 Returns for SBI Credit Risk Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Jul 24 Duration Returns 1 Month 0.6% 3 Month 2.1% 6 Month 4.1% 1 Year 7.5% 3 Year 6.5% 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 7.33 Yr. Pradeep Kesavan 1 Dec 23 0.5 Yr. Adesh Sharma 1 Dec 23 0.5 Yr. Data below for SBI Credit Risk Fund as on 31 May 24
Asset Allocation
Asset Class Value Cash 12.51% Equity 2.51% Debt 84.69% Other 0.3% Debt Sector Allocation
Sector Value Corporate 70.14% Government 17.58% Cash Equivalent 9.47% Credit Quality
Rating Value A 10.12% AA 62.92% AAA 26.97% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.16% Govt Stock 2050
Sovereign Bonds | -5% ₹126 Cr 12,500,000 Aadhar Housing Finance Limited
Debentures | -5% ₹112 Cr 11,200 Nirma Limited
Debentures | -5% ₹110 Cr 11,000
↓ -500 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹101 Cr 10,000,000 Jindal Stainless Limited
Debentures | -4% ₹88 Cr 900 Renserv Global Pvt Ltd.
Debentures | -3% ₹80 Cr 8,000 Avanse Financial Services Limited
Debentures | -3% ₹80 Cr 8,000 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹76 Cr 7,500,000
↓ -1,000,000 Ongc Petro Additions Limited
Debentures | -3% ₹75 Cr 7,500 JSW Steel Limited
Debentures | -3% ₹75 Cr 750 8. 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 (02 Jul 24) ₹29.0907 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹6,875 on 15 Jun 24 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 0.68 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 8.86% Effective Maturity 3 Years 29 Days Modified Duration 2 Years 3 Months 29 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹10,985 30 Jun 21 ₹11,953 30 Jun 22 ₹12,486 30 Jun 23 ₹13,350 30 Jun 24 ₹14,391 Returns for ICICI Prudential Regular Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Jul 24 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 4% 1 Year 7.9% 3 Year 6.4% 5 Year 7.5% 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 7.57 Yr. Akhil Kakkar 22 Jan 24 0.36 Yr. Data below for ICICI Prudential Regular Savings Fund as on 15 Jun 24
Asset Allocation
Asset Class Value Cash 17.07% Equity 1.81% Debt 80.82% Other 0.29% Debt Sector Allocation
Sector Value Corporate 64.36% Cash Equivalent 17.07% Government 11.22% Securitized 5.25% Credit Quality
Rating Value A 17.22% AA 59.05% AAA 23.73% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -9% ₹647 Cr 64,132,730
↓ -32,500,000 Embassy Office Parks Reit
Unlisted bonds | -4% ₹308 Cr 8,456,117 Varroc Engineering Limited
Debentures | -4% ₹247 Cr 25,000 Ongc Petro Additions Limited
Debentures | -3% ₹225 Cr 2,250 Millennia Realtors Private Limited
Debentures | -3% ₹210 Cr 2,100 Aadhar Housing Finance Ltd
Debentures | -3% ₹174 Cr 17,500 Nirma Limited
Debentures | -2% ₹150 Cr 15,000 Dlf Home Developers Limited
Debentures | -2% ₹150 Cr 15,000 Kalpataru Projects International Limited
Debentures | -2% ₹149 Cr 15,000 Aadharshila Infratech Pvt Ltd.
Debentures | -2% ₹143 Cr 15,000