Table of Contents

ڈیبٹ میوچل فنڈز (ڈیبٹ فنڈ) بمقابلہ فکسڈ ڈپازٹس (ایف ڈی)
قرض میوچل فنڈز اور فکسڈ ڈپازٹس پر ٹیکس
سرفہرست 8 بہترین کارکردگی والے قرض فنڈز 2022
Top 8 Funds

ایف ڈی بمقابلہ ڈیبٹ میوچل فنڈ

Updated on April 1, 2025 , 7716 views

ایف ڈی بمقابلہقرض فنڈ? سوچناکہاں سرمایہ کاری کرنا ہے اچھا منافع کمانے کے لیے آپ کی بچت۔ عام طور پر لوگ غور کرتے ہیں۔سرمایہ کاری فکسڈ ڈپازٹ یا FD میں سب سے آسان آپشن ہے کیونکہ یہ محفوظ ہے اور فکسڈ ریٹرن پیش کرتا ہے۔ لیکن کیا یہ بہترین طریقہ ہے؟ اگرچہ فکسڈ ڈپازٹ سب کے لیے سرمایہ کاری کا ایک آسان آپشن ہے، تاہم، قابل ٹیکس ہونے والے فکسڈ ڈپازٹ کے منافع ڈیبٹ فنڈ کے مقابلے بہت کم ہیں۔ مزید برآں، جب طویل مدت کے لیے منعقد کیا جاتا ہے، قرضباہمی چندہ اچھا منافع پیش کرتے ہیں. ڈیٹ میوچل فنڈز یا فکسڈ ڈپازٹ میں سرمایہ کاری کرنے کا حتمی فیصلہ کرنے سے پہلے، ان سرمایہ کاری کے تفصیلی موازنہ کو دیکھیں۔

خلاصہ:

ڈیبٹ میوچل فنڈز (ڈیبٹ فنڈ) بمقابلہ فکسڈ ڈپازٹس (ایف ڈی)

ہمیں خطرہ مول لینے کی صلاحیت اور اس کے انعقاد کی مطلوبہ مدت کے ذریعے اسے توڑنا ہوگا۔سرمایہ کار سوال میں.

مختصر انعقاد کی مدت (1 سال یا اس سے کم)

یہاں قرض فنڈ کے اختیارات محدود ہوں گے۔مائع فنڈزالٹرامختصر مدت کے فنڈز اور مختصر مدتآمدنی فنڈز اگرچہ ریٹرن یا پیداوار عام طور پر مائع سے الٹرا شارٹ سے شارٹ ٹرم فنڈ تک زیادہ ہوتی ہے، لیکن ان ڈیٹ فنڈز اور فکسڈ ڈپازٹ کے درمیان پیداوار کے فرق کا تعین ان کے پچھلے ایک سال کے ریٹرن کو دیکھتے ہوئے کیا جا سکتا ہے۔

ڈیبٹ میوچل فنڈ (زمرہ اوسط واپسی)

قرض میوچل فنڈ کی قسم	گزشتہ 1 سال واپسی (%)
مائع فنڈ	7.36
الٹرا شارٹ ٹرم ڈیبٹ فنڈز	9.18
قلیل مدتی قرض فنڈز	9.78
ڈائنامک ڈیبٹ فنڈز	13.89
طویل مدتی قرض فنڈز	13.19
گلٹ قلیل مدتی فنڈز	11.76
گلٹ طویل مدتی فنڈز	15.06
20 فروری 2017 تک کا ڈیٹا

فکسڈ ڈپازٹ یا ایف ڈی کی اوسط واپسی کی شرح

فکسڈ ڈپازٹس کی اوسط واپسی کی شرح 8-8.5% p.a کے درمیان ہے۔ سال 2016 میں (تاکہ کوئی بھی ٹیبل میں مذکورہ بالا منافع کا موازنہ کر سکے)۔ تاہم، پچھلے ایک سال میں، واپسی کی شرح 6.6-7.5% p.a تک گر گئی ہے۔

مندرجہ بالا مثال کے ساتھ، یہ واضح ہے کہ ڈیبٹ فنڈز کی واپسی کی اوسط شرح فکسڈ ڈپازٹس سے بہتر ہے۔

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طویل مدتی انعقاد کی مدت

طویل مدتی انعقاد کے ساتھ، قرض فنڈز FDs سے بہتر ثابت ہو سکتے ہیں۔

یہاں سرمایہ کاری کے اختیارات یہ ہوں گے:

طویل مدتی آمدنی کے فنڈز
طویل مدتی گلٹ،
کارپوریٹبانڈ فنڈز (زیادہ پیداوار کے فنڈز)، اوپر بیان کردہ مائع کے اختیارات کے علاوہ، الٹرا شارٹ اور شارٹ ٹرم فنڈز بھی استعمال کیے جا سکتے ہیں۔

یہ دیکھتے ہوئے کہ انعقاد کی مدت 3 سال یا اس سے زیادہ ہوسکتی ہے، ہم درج ذیل کہہ سکتے ہیں:

کے ساتھسرمایہ اشاریہ سازی کے فوائد کے ساتھ 20% پر ٹیکس حاصل کرتا ہے، خالص ٹیکس کے واقعات کم سے کم ہوں گے (تاہم کسی کو ٹیکس کے واقعات کا حساب لگانا چاہیے ٹیکس کے سال کے حساب سے)
طویل مدتی آمدنی کے فنڈز/گلٹ فنڈز اعلی پیداوار کے ساتھ اور اس کے علاوہ، اگر سود کی شرحیں نیچے جائیں تو بہت زیادہ منافع ملے گا۔
کوئی بھی ان قرض فنڈز کے ساتھ اعلی دوہرے ہندسے کی واپسی کے ساتھ ختم ہوسکتا ہے۔

لانگ ٹرم انکم فنڈز پر ریٹرن کی ذیل کی مثال لیں، زمرہ کے لیے اوسط آخری 1 سال کا منافع 12.19% ہے اور پچھلے 3 سالوں میں 10.32% p.a. اس مدت میں کوئی بھی ایف ڈی اس جیسی واپسی نہیں دے سکتا تھا۔ گلٹ فنڈ کے منافع اور بھی زیادہ ہیں۔ اسی مدت میں، پچھلے سال FD کی شرح زیادہ تر بینکوں میں 8-8.5% سالانہ کے قریب ہوتی، (اگرچہ آج شرحیں مزید گر کر 6.5 - 7.5% ہو گئی ہیں)

لہذا ایک سرمایہ کار کے ساتھ طویل مدتی ہولڈنگ اور سود کی شرحیں گرنے کے ساتھ، ایک قرض فنڈ (طویل مدتی آمدنی یا گلٹ) FD کے مقابلے میں زیادہ بہتر منافع دے گا۔ یہاں تک کہ شرح سود میں کمی نہ ہونے کی صورت میں بھی، زیادہ پیداوار والے کارپوریٹ بانڈ فنڈز اسی مدت میں ایف ڈی کو مات دے گا۔

قرض میوچل فنڈز اور فکسڈ ڈپازٹس پر ٹیکس

ٹیکسیشن ڈیٹ فنڈز اور فکسڈ ڈپازٹس کے ریٹرن کا تعین کرنے میں بھی اہم کردار ادا کرتا ہے۔ عام طور پر، فکسڈ ڈپازٹس پر ٹیکس 33% (ٹیکس کی معمولی شرح) ہے جب کہ ڈیبٹ فنڈز پر اگر کوئی 3 سال سے کم نظریہ کے ساتھ سرمایہ کاری کرتا ہے تو ڈی ڈی ٹی (ڈیویڈنڈ ڈسٹری بیوشن ٹیکس) کاٹنا بہتر آپشن ہوگا۔ تقریباً 25% پر (+سرچارج وغیرہ)۔ اس سے ظاہر ہوتا ہے کہ ڈیٹ میوچل فنڈز پر ٹیکس فکسڈ ڈپازٹ کے مقابلے نسبتاً کم ہے۔

قرض فنڈز کے ساتھ آنے والے اضافی فوائد یہ ہیں:

لیکویڈیٹی: رقم 1-2 دنوں کے اندر دستیاب ہو گی۔رہائی
پیشہ ورانہ انتظام: حکمت عملی کو متحرک طور پر تبدیل کرنے اور بازاروں سے فائدہ اٹھانے کی صلاحیت
قبل از وقت واپسی کا کوئی جرمانہ نہیں۔

خلاصہ:

پیرامیٹرز	باہمی چندہ	فکسڈ ڈپازٹس
واپسی کی شرح	کوئی یقینی واپسی نہیں۔	فکسڈ ریٹرن
مہنگائی ایڈجسٹ ریٹرن	اعلی افراط زر کی ایڈجسٹ شدہ واپسیوں کا امکان	عام طور پر کم افراط زر کی ایڈجسٹ شدہ واپسی
خطرہ	کم سے زیادہ خطرہ (فنڈ پر منحصر ہے۔	کم خطرہ
لیکویڈیٹی	مائع	مائع
قبل از وقت واپسی	ایگزٹ لوڈ/نو لوڈ کے ساتھ اجازت ہے۔	جرمانے کے ساتھ اجازت ہے۔
سرمایہ کاری کی لاگت	انتظامی لاگت/خرچ کا تناسب	کوی قیمت نہیں

سرفہرست 8 بہترین کارکردگی والے قرض فنڈز 2022

مندرجہ بالا خالص اثاثوں/اے یو ایم والے قرض فنڈز کی فہرست ذیل میں ہے۔1000 کروڑ اور 3 سال کے مرکب پر ترتیب دیا گیا (سی اے جی آر) واپسی

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 8.9% since its launch. Ranked 6 in Medium term Bond category. Return for 2024 was 10.5% , 2023 was 6.9% and 2022 was 24.8% .

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 (03 Apr 25)	₹39.0089 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹2,144 on 28 Feb 25
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	2.22
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	7.72%
Effective Maturity	5 Years 1 Month 20 Days
Modified Duration	3 Years 9 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,987
31 Mar 22	₹12,025
31 Mar 23	₹14,567
31 Mar 24	₹15,635
31 Mar 25	₹17,673

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹218,539.
Net Profit of ₹38,539 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 3 Apr 25

Duration	Returns
1 Month	1.6%
3 Month	4.8%
6 Month	8.2%
1 Year	13.6%
3 Year	13.9%
5 Year	12.2%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.5%
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%

Fund Manager information for Aditya Birla Sun Life Medium Term Plan

Name	Since	Tenure
Sunaina Cunha	1 Sep 14	10.59 Yr.
Mohit Sharma	6 Aug 20	4.65 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	3.74%
Equity	4.08%
Debt	91.93%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	51.47%
Government	39.97%
Cash Equivalent	3.74%
Securitized	0.5%

Credit Quality

Rating	Value
A	3.53%
AA	30.9%
AAA	63.02%
BBB	2.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	22%	₹483 Cr	47,000,000 ↓ -1,500,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹100 Cr	10,000 ↑ 10,000
Nuvama Wealth Finance Ltd Debentures \| -	4%	₹95 Cr	9,500 ↑ 1,500
7.1% Govt Stock 2034 Sovereign Bonds \| -	4%	₹94 Cr	9,196,700 ↑ 500,000
360 One Prime Ltd. 9.4% Debentures \| -	3%	₹65 Cr	6,500 ↑ 6,500
Narayana Hrudayalaya Limited Debentures \| -	3%	₹60 Cr	6,000
Vedanta Limited Debentures \| -	3%	₹60 Cr	6,000
7.23% Government Of India (15/04/2039) Sovereign Bonds \| -	2%	₹52 Cr	5,000,000
LIC Housing Finance Limited Debentures \| -	2%	₹50 Cr	5,000
Creditaccess Grameen Limited Debentures \| -	2%	₹50 Cr	500,000

2. Aditya Birla Sun Life Dynamic Bond Fund

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 CAGR/Annualized return of 7.7% since its launch. Ranked 16 in Dynamic Bond category. Return for 2024 was 8.8% , 2023 was 6.9% and 2022 was 6% .

Below is the key information for Aditya Birla Sun Life Dynamic Bond Fund

Aditya Birla Sun Life Dynamic Bond Fund Growth
Launch Date	27 Sep 04
NAV (03 Apr 25)	₹45.7711 ↓ -0.02 (-0.03 %)
Net Assets (Cr)	₹1,738 on 28 Feb 25
Category	Debt - Dynamic Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.21
Sharpe Ratio	0.3
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	7.32%
Effective Maturity	15 Years 3 Months 29 Days
Modified Duration	7 Years 11 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,824
31 Mar 22	₹11,337
31 Mar 23	₹12,141
31 Mar 24	₹13,078
31 Mar 25	₹14,280

Aditya Birla Sun Life Dynamic 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 Aditya Birla Sun Life 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 3 Apr 25

Duration	Returns
1 Month	2.8%
3 Month	3.4%
6 Month	4.4%
1 Year	10.2%
3 Year	8.2%
5 Year	7.6%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.8%
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%

Fund Manager information for Aditya Birla Sun Life Dynamic Bond Fund

Name	Since	Tenure
Mohit Sharma	22 Mar 21	3.94 Yr.
Bhupesh Bameta	6 Aug 20	4.57 Yr.

Data below for Aditya Birla Sun Life Dynamic Bond Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	2.72%
Debt	97%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	65.45%
Corporate	31.54%
Cash Equivalent	2.72%

Credit Quality

Rating	Value
A	2.48%
AA	7.71%
AAA	89.82%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.23% Government Of India (15/04/2039) Sovereign Bonds \| -	20%	₹347 Cr	33,577,900
7.18% Govt Stock 2037 Sovereign Bonds \| -	16%	₹277 Cr	27,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	10%	₹170 Cr	16,590,200
Power Finance Corporation Limited Debentures \| -	7%	₹124 Cr	12,500
7.34% Govt Stock 2064 Sovereign Bonds \| -	7%	₹124 Cr	11,914,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	5%	₹80 Cr	8,000
Bharti Telecom Limited Debentures \| -	4%	₹76 Cr	7,500
State Bank Of India Debentures \| -	4%	₹74 Cr	75
7.25% Govt Stock 2063 Sovereign Bonds \| -	3%	₹51 Cr	5,000,000
LIC Housing Finance Limited Debentures \| -	3%	₹50 Cr	5,000

3. SBI Magnum Gilt Fund

(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 CAGR/Annualized return of 8.1% since its launch. Ranked 3 in Government Bond category. Return for 2024 was 8.9% , 2023 was 7.6% and 2022 was 4.2% .

Below is the key information for SBI Magnum Gilt Fund

SBI Magnum Gilt Fund Growth
Launch Date	30 Dec 00
NAV (03 Apr 25)	₹65.7947 ↓ -0.06 (-0.09 %)
Net Assets (Cr)	₹11,257 on 15 Mar 25
Category	Debt - Government Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.94
Sharpe Ratio	0.1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.11%
Effective Maturity	23 Years 10 Months 28 Days
Modified Duration	9 Years 11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,724
31 Mar 22	₹11,112
31 Mar 23	₹11,744
31 Mar 24	₹12,773
31 Mar 25	₹13,915

SBI Magnum Gilt 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 Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Apr 25

Duration	Returns
1 Month	3.3%
3 Month	3.7%
6 Month	4.2%
1 Year	10.2%
3 Year	8%
5 Year	7.1%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.9%
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%

Fund Manager information for SBI Magnum Gilt Fund

Name	Since	Tenure
Rajeev Radhakrishnan	1 Nov 23	1.33 Yr.
Tejas Soman	1 Dec 23	1.25 Yr.

Data below for SBI Magnum Gilt Fund as on 15 Mar 25

Asset Allocation

Asset Class	Value
Cash	10.5%
Debt	89.5%

Debt Sector Allocation

Sector	Value
Government	89.5%
Cash Equivalent	10.5%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	37%	₹4,219 Cr	406,500,000 ↓ -7,500,000
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	36%	₹4,009 Cr	398,326,400 ↑ 27,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	10%	₹1,096 Cr	106,000,000 ↓ -5,500,000
7.22% State Government Of Haryana 2038 Sovereign Bonds \| -	4%	₹402 Cr	40,000,000
7.13% State Government Of Karnataka 2041 Sovereign Bonds \| -	2%	₹249 Cr	25,048,600 ↑ 4,500,000
7.16% State Government Of Madhya Pradesh 2037 Sovereign Bonds \| -	1%	₹100 Cr	10,000,000
Treps CBLO/Reverse Repo \| -	5%	₹608 Cr
Net Receivable / Payable CBLO \| -	5%	₹574 Cr
8.83% Govt Stock 2041 Sovereign Bonds \| -		₹0 Cr	00 ↓ -80,000,000
7.93% Govt Stock 2033 Sovereign Bonds \| -		₹0 Cr	00 ↓ -6,000,000

4. ICICI Prudential Gilt Fund

(Erstwhile ICICI Prudential Long Term Gilt Fund)

To generate income through investment in Gilts of various maturities.

ICICI Prudential Gilt Fund is a Debt - Government Bond fund was launched on 19 Aug 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9.5% since its launch. Ranked 5 in Government Bond category. Return for 2024 was 8.2% , 2023 was 8.3% and 2022 was 3.7% .

Below is the key information for ICICI Prudential Gilt Fund

ICICI Prudential Gilt Fund Growth
Launch Date	19 Aug 99
NAV (03 Apr 25)	₹101.317 ↓ -0.08 (-0.08 %)
Net Assets (Cr)	₹6,356 on 28 Feb 25
Category	Debt - Government Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.12
Sharpe Ratio	0.42
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.05%
Effective Maturity	13 Years 4 Months 28 Days
Modified Duration	5 Years 3 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,828
31 Mar 22	₹11,265
31 Mar 23	₹11,915
31 Mar 24	₹12,953
31 Mar 25	₹14,074

ICICI Prudential Gilt 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 Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Apr 25

Duration	Returns
1 Month	2.3%
3 Month	3.3%
6 Month	4.7%
1 Year	9.5%
3 Year	7.9%
5 Year	7.3%
10 Year
15 Year
Since launch	9.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.2%
2023	8.3%
2022	3.7%
2021	3.8%
2020	12.6%
2019	10.8%
2018	6.8%
2017	2.1%
2016	18.2%
2015	5.5%

Fund Manager information for ICICI Prudential Gilt Fund

Name	Since	Tenure
Manish Banthia	22 Jan 24	1.11 Yr.
Raunak Surana	22 Jan 24	1.11 Yr.

Data below for ICICI Prudential Gilt Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	9.99%
Debt	90.01%

Debt Sector Allocation

Sector	Value
Government	90.01%
Cash Equivalent	9.99%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	33%	₹2,109 Cr	206,066,000 ↓ -30,000,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	21%	₹1,360 Cr	131,038,200 ↑ 25,000,000
7.93% Govt Stock 2033 Sovereign Bonds \| -	15%	₹968 Cr	94,096,700
7.3% Govt Stock 2028 Sovereign Bonds \| -	7%	₹427 Cr	42,500,000
7.12% Maharashtra SDL 2038 Sovereign Bonds \| -	3%	₹214 Cr	21,496,400 ↑ 21,496,400
91 Days Tbill Red 24-04-2025 Sovereign Bonds \| -	3%	₹189 Cr	19,000,000
7.14% Maharashtra SDL 2039 Sovereign Bonds \| -	3%	₹180 Cr	18,000,000 ↑ 18,000,000
91 DTB 17042025 Sovereign Bonds \| -	3%	₹174 Cr	17,500,000 ↓ -10,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	2%	₹151 Cr	15,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	2%	₹109 Cr	10,567,890 ↓ -262,500

5. DSP BlackRock Government Securities Fund

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 CAGR/Annualized return of 9.3% since its launch. Ranked 9 in Government Bond category. Return for 2024 was 10.1% , 2023 was 7.1% and 2022 was 2.7% .

Below is the key information for DSP BlackRock Government Securities Fund

DSP BlackRock Government Securities Fund Growth
Launch Date	30 Sep 99
NAV (03 Apr 25)	₹95.6236 ↓ -0.12 (-0.12 %)
Net Assets (Cr)	₹1,699 on 28 Feb 25
Category	Debt - Government Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.1
Sharpe Ratio	0
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	7.09%
Effective Maturity	28 Years 11 Months 16 Days
Modified Duration	11 Years 2 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,730
31 Mar 22	₹11,166
31 Mar 23	₹11,651
31 Mar 24	₹12,744
31 Mar 25	₹13,899

DSP BlackRock Government Securities 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 DSP BlackRock Government Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Apr 25

Duration	Returns
1 Month	3.6%
3 Month	3.7%
6 Month	3.9%
1 Year	10.4%
3 Year	7.8%
5 Year	7.1%
10 Year
15 Year
Since launch	9.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.1%
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%

Fund Manager information for DSP BlackRock Government Securities Fund

Name	Since	Tenure
Sandeep Yadav	1 Aug 24	0.58 Yr.
Shantanu Godambe	1 Jun 23	1.75 Yr.

Data below for DSP BlackRock Government Securities Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	3.77%
Debt	96.23%

Debt Sector Allocation

Sector	Value
Government	96.23%
Cash Equivalent	3.77%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	34%	₹555 Cr	52,000,000 ↓ -3,500,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	29%	₹473 Cr	45,000,000 ↓ -3,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	7%	₹112 Cr	11,000,000 ↓ -4,000,000
7.14% Madhya Pradesh SDL 2043 Sovereign Bonds \| -	6%	₹103 Cr	10,000,000
7.26% Maharashtra SDL 2050 Sovereign Bonds \| -	6%	₹101 Cr	10,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	5%	₹90 Cr	8,500,000 ↑ 8,500,000
8.17% Govt Stock 2044 Sovereign Bonds \| -	4%	₹58 Cr	5,000,000
7.14% Maharashtra SDL 2039 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
7.85% MP Sdl 2032 Sovereign Bonds \| -	2%	₹27 Cr	2,500,000
7.22% Maharashtra SDL 2049 Sovereign Bonds \| -	1%	₹15 Cr	1,500,000

6. Invesco India Gilt Fund

The objective of the Scheme is to generate optimal returns by investing in a portfolio of securities issued and guaranteed by Central and State Government.

Invesco India Gilt Fund is a Debt - Government Bond fund was launched on 9 Feb 08. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.3% since its launch. Ranked 10 in Government Bond category. Return for 2024 was 10% , 2023 was 6.6% and 2022 was 2.3% .

Below is the key information for Invesco India Gilt Fund

Invesco India Gilt Fund Growth
Launch Date	9 Feb 08
NAV (03 Apr 25)	₹2,829.75 ↓ -4.57 (-0.16 %)
Net Assets (Cr)	₹1,220 on 28 Feb 25
Category	Debt - Government Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.2
Sharpe Ratio	-0.09
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.15%
Effective Maturity	29 Years 3 Months 22 Days
Modified Duration	10 Years 11 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,400
31 Mar 22	₹10,544
31 Mar 23	₹11,002
31 Mar 24	₹12,019
31 Mar 25	₹13,067

Invesco India Gilt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Invesco India Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Apr 25

Duration	Returns
1 Month	3.5%
3 Month	3.6%
6 Month	3.7%
1 Year	10%
3 Year	7.6%
5 Year	5.8%
10 Year
15 Year
Since launch	6.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10%
2023	6.6%
2022	2.3%
2021	0.7%
2020	8.2%
2019	9.6%
2018	6.2%
2017	1.2%
2016	16.6%
2015	4.2%

Fund Manager information for Invesco India Gilt Fund

Name	Since	Tenure
Krishna Cheemalapati	27 Jul 21	3.6 Yr.
Vikas Garg	26 Sep 20	4.43 Yr.

Data below for Invesco India Gilt Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	5.36%
Debt	94.64%

Debt Sector Allocation

Sector	Value
Government	94.64%
Cash Equivalent	5.36%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	33%	₹338 Cr	32,531,000 ↓ -7,500,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	33%	₹337 Cr	33,500,000
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	11%	₹116 Cr	11,512,900 ↓ -4,500,000
7.09% Govt Stock 2074 Sovereign Bonds \| -	10%	₹106 Cr	10,500,000 ↓ -500,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	7%	₹71 Cr	7,000,000 ↑ 5,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	1%	₹10 Cr	1,000,000
Triparty Repo CBLO/Reverse Repo \| -	3%	₹28 Cr
Net Receivables / (Payables) CBLO \| -	3%	₹27 Cr
7.18% Govt Stock 2037 Sovereign Bonds \| -		₹0 Cr	00 ↓ -4,500,000
7.23% Govt Stock 2039 Sovereign Bonds \| -		₹0 Cr	00 ↓ -4,000,000

7. ICICI Prudential Long Term Plan

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity.

ICICI Prudential Long Term Plan is a Debt - Dynamic Bond fund was launched on 20 Jan 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.9% since its launch. Ranked 1 in Dynamic Bond category. Return for 2024 was 8.2% , 2023 was 7.6% and 2022 was 4.5% .

Below is the key information for ICICI Prudential Long Term Plan

ICICI Prudential Long Term Plan Growth
Launch Date	20 Jan 10
NAV (03 Apr 25)	₹36.3686 ↓ -0.02 (-0.04 %)
Net Assets (Cr)	₹14,049 on 15 Mar 25
Category	Debt - Dynamic Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.36
Sharpe Ratio	0.87
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity	7.82%
Effective Maturity	8 Years 11 Months 5 Days
Modified Duration	4 Years 4 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,898
31 Mar 22	₹11,374
31 Mar 23	₹12,035
31 Mar 24	₹12,989
31 Mar 25	₹14,122

ICICI Prudential Long Term Plan 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 Long 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 3 Apr 25

Duration	Returns
1 Month	1.9%
3 Month	3%
6 Month	4.6%
1 Year	9.3%
3 Year	7.6%
5 Year	7.3%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.2%
2023	7.6%
2022	4.5%
2021	4.3%
2020	11.8%
2019	10.2%
2018	6.2%
2017	5.1%
2016	16.9%
2015	5.7%

Fund Manager information for ICICI Prudential Long Term Plan

Name	Since	Tenure
Manish Banthia	28 Sep 12	12.43 Yr.
Nikhil Kabra	22 Jan 24	1.11 Yr.

Data below for ICICI Prudential Long Term Plan as on 15 Mar 25

Asset Allocation

Asset Class	Value
Cash	6.54%
Debt	93.2%
Other	0.26%

Debt Sector Allocation

Sector	Value
Government	55.23%
Corporate	37.97%
Cash Equivalent	6.54%

Credit Quality

Rating	Value
AA	36.8%
AAA	63.2%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	29%	₹4,010 Cr	391,931,490 ↓ -45,000,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	10%	₹1,383 Cr	133,212,000 ↑ 20,000,000
7.93% Govt Stock 2033 Sovereign Bonds \| -	5%	₹688 Cr	66,848,050
7.53% Govt Stock 2034 Sovereign Bonds \| -	3%	₹459 Cr	45,460,800
Vedanta Limited Debentures \| -	3%	₹399 Cr	40,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	2%	₹302 Cr	30,000,000
7.12% Maharashtra SDL 2038 Sovereign Bonds \| -	2%	₹264 Cr	26,457,100 ↑ 26,457,100
7.14% Maharashtra SDL 2039 Sovereign Bonds \| -	2%	₹240 Cr	24,000,000 ↑ 24,000,000
Godrej Properties Limited Debentures \| -	1%	₹201 Cr	20,000
Nirma Limited Debentures \| -	1%	₹200 Cr	20,000

8. SBI Dynamic Bond Fund

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 CAGR/Annualized return of since its launch. Ranked 5 in Dynamic Bond category. Return for 2024 was 8.6% , 2023 was 7.1% and 2022 was 4.2% .

Below is the key information for SBI Dynamic Bond Fund

SBI Dynamic Bond Fund Growth
Launch Date	9 Feb 04
NAV (03 Apr 25)	₹35.3609 ↓ -0.02 (-0.05 %)
Net Assets (Cr)	₹3,324 on 28 Feb 25
Category	Debt - Dynamic Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.48
Sharpe Ratio	0.03
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	7.29%
Effective Maturity	18 Years 6 Months 18 Days
Modified Duration	8 Years 4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,605
31 Mar 22	₹10,908
31 Mar 23	₹11,508
31 Mar 24	₹12,473
31 Mar 25	₹13,494

SBI 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 SBI 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 3 Apr 25

Duration	Returns
1 Month	2.7%
3 Month	3.2%
6 Month	3.7%
1 Year	9.4%
3 Year	7.6%
5 Year	6.5%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.6%
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%

Fund Manager information for SBI Dynamic Bond Fund

Name	Since	Tenure
Rajeev Radhakrishnan	1 Nov 23	1.33 Yr.
Tejas Soman	31 Dec 23	1.17 Yr.
Pradeep Kesavan	31 Dec 23	1.17 Yr.

Data below for SBI Dynamic Bond Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	2.65%
Debt	97.08%
Other	0.27%

Debt Sector Allocation

Sector	Value
Government	65.24%
Corporate	31.84%
Cash Equivalent	2.65%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	26%	₹866 Cr	86,000,000 ↓ -5,500,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	16%	₹535 Cr	51,500,000 ↓ -32,500,000
8.83% Govt Stock 2041 Sovereign Bonds \| -	7%	₹238 Cr	20,000,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	6%	₹202 Cr	20,000,000 ↑ 15,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	6%	₹191 Cr	18,500,000 ↓ -2,500,000
Highways Infrastructure Trust Debentures \| -	5%	₹164 Cr	16,250
Reliance Jio Infratel Private Limited Debentures \| -	5%	₹156 Cr	1,500
Power Finance Corp Ltd. Debentures \| -	4%	₹150 Cr	15,000 ↑ 15,000
LIC Housing Finance Limited Debentures \| -	4%	₹150 Cr	15,000
INDIA UNIVERSAL TRUST AL2 Unlisted bonds \| -	4%	₹138 Cr	147

Disclaimer:
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔