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فنکاش »باہمی چندہ »ایف ڈی بمقابلہ ڈیبٹ فنڈ

ایف ڈی بمقابلہ ڈیبٹ میوچل فنڈ

Updated on November 19, 2024 , 7536 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:

FD-Vs-Debt-Fund

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)

Last-1-Year-Return(%)-of-Long-Term-Income-Funds

Last-1-Year-Returns-of-Long-term-Gilt-Funds

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 8.7% 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 (21 Nov 24) ₹36.8289 ↓ -0.01   (-0.03 %)
Net Assets (Cr) ₹1,968 on 31 Oct 24
Category Debt - Medium term Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.55
Sharpe Ratio 2.41
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.

DateValue
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

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 21 Nov 24

DurationReturns
1 Month 0.3%
3 Month 3.4%
6 Month 6.3%
1 Year 10.4%
3 Year 13.6%
5 Year 9.7%
10 Year
15 Year
Since launch 8.7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sunaina Cunha1 Sep 1410.18 Yr.
Mohit Sharma6 Aug 204.24 Yr.
Dhaval Joshi21 Nov 221.95 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash9.58%
Equity3.16%
Debt85.9%
Other1.35%
Debt Sector Allocation
SectorValue
Government48.02%
Corporate37.28%
Cash Equivalent9.58%
Securitized0.59%
Credit Quality
RatingValue
A5.55%
AA32.83%
AAA61.62%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
07.18 Goi 14082033
Sovereign Bonds | -
28%₹549 Cr53,500,000
7.26% Govt Stock 2033
Sovereign Bonds | -
11%₹206 Cr20,000,000
07.18 Goi 24072037
Sovereign Bonds | -
6%₹108 Cr10,500,000
Adani Airport Holdings Limited
Debentures | -
3%₹53 Cr5,300
↑ 5,300
Creditaccess Grameen Limited
Debentures | -
3%₹50 Cr500,000
Belstar Microfinance Limited
Debentures | -
3%₹50 Cr5,000
JSW Steel Limited
Debentures | -
3%₹50 Cr500
Piramal Capital & Housing Finance Ltd
Debentures | -
2%₹48 Cr4,800
Hinduja Housing Finance Limited 8.85%
Debentures | -
2%₹46 Cr4,600
JM Financial Products Limited
Debentures | -
2%₹40 Cr4,000

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 7.6% since its launch.  Ranked 16 in Dynamic Bond category.  Return for 2023 was 6.9% , 2022 was 6% and 2021 was 4.9% .

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 (21 Nov 24) ₹43.8232 ↓ -0.04   (-0.09 %)
Net Assets (Cr) ₹1,697 on 31 Oct 24
Category Debt - Dynamic Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.21
Sharpe Ratio 1.24
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 7.16%
Effective Maturity 15 Years 1 Month 10 Days
Modified Duration 8 Years 3 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,385
31 Oct 21₹10,975
31 Oct 22₹11,561
31 Oct 23₹12,290
31 Oct 24₹13,482

Aditya Birla Sun Life Dynamic Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
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 21 Nov 24

DurationReturns
1 Month 0.1%
3 Month 1.4%
6 Month 4.4%
1 Year 8.9%
3 Year 7%
5 Year 6.1%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Mohit Sharma22 Mar 213.62 Yr.
Bhupesh Bameta6 Aug 204.24 Yr.
Dhaval Joshi21 Nov 221.95 Yr.

Data below for Aditya Birla Sun Life Dynamic Bond Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash2.61%
Debt97.12%
Other0.27%
Debt Sector Allocation
SectorValue
Government80.72%
Corporate16.4%
Cash Equivalent2.61%
Credit Quality
RatingValue
A2.68%
AA4.83%
AAA92.49%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
07.18 Goi 24072037
Sovereign Bonds | -
35%₹587 Cr57,000,000
7.30 Goi 19062053
Sovereign Bonds | -
15%₹246 Cr23,500,000
7.23% Goi 15/04/2039
Sovereign Bonds | -
11%₹187 Cr18,000,000
↓ -2,500,000
07.18 Goi 14082033
Sovereign Bonds | -
10%₹174 Cr17,000,000
Cholamandalam Investment And Finance Company Limited
Debentures | -
5%₹81 Cr8,000
State Bank Of India
Debentures | -
4%₹76 Cr75
7.25% Govt Stock 2063
Sovereign Bonds | -
3%₹52 Cr5,000,000
Bajaj Finance Ltd. 7.93%
Debentures | -
3%₹51 Cr5,000
7.10%Goi 08/04/2034
Sovereign Bonds | -
3%₹47 Cr4,590,200
↑ 1,000,000
Adani Airport Holdings Limited
Debentures | -
3%₹45 Cr4,500
↑ 4,500

3. ICICI Prudential Regular Savings Fund

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 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% .

Below is the key information for ICICI Prudential Regular Savings Fund

ICICI Prudential Regular Savings Fund
Growth
Launch Date 3 Dec 10
NAV (21 Nov 24) ₹30.1077 ↓ -0.02   (-0.08 %)
Net Assets (Cr) ₹6,387 on 31 Oct 24
Category Debt - Credit Risk
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.54
Sharpe Ratio 2.49
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 8.53%
Effective Maturity 2 Years 4 Months 17 Days
Modified Duration 1 Year 10 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹11,006
31 Oct 21₹11,763
31 Oct 22₹12,318
31 Oct 23₹13,172
31 Oct 24₹14,389

ICICI Prudential Regular Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month 0.4%
3 Month 1.9%
6 Month 4.5%
1 Year 8.6%
3 Year 6.8%
5 Year 7.4%
10 Year
15 Year
Since launch 8.2%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Manish Banthia7 Nov 167.99 Yr.
Akhil Kakkar22 Jan 240.78 Yr.

Data below for ICICI Prudential Regular Savings Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash14.1%
Equity1.91%
Debt83.67%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate75.38%
Government11.17%
Cash Equivalent5.62%
Securitized5.6%
Credit Quality
RatingValue
A13.02%
AA57.04%
AAA29.94%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Embassy Office Parks Reit
Unlisted bonds | -
5%₹303 Cr7,756,117
7.10%Goi 08/04/2034
Sovereign Bonds | -
5%₹291 Cr28,458,830
↑ 4,663,200
Varroc Engineering Limited
Debentures | -
4%₹248 Cr25,000
Millennia Realtors Private Limited
Debentures | -
3%₹210 Cr2,100
Aadhar Housing Finance Ltd
Debentures | -
3%₹176 Cr17,500
7.17% Govt Stock 2030
Sovereign Bonds | -
2%₹153 Cr15,000,000
Nirma Limited
Debentures | -
2%₹151 Cr15,000
Dlf Home Developers Limited
Debentures | -
2%₹150 Cr15,000
HDFC Bank Ltd.
Debentures | -
2%₹122 Cr2,500
Yes Bank Limited
Debentures | -
2%₹105 Cr1,050

4. SBI Credit Risk Fund

(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 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% .

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund
Growth
Launch Date 19 Jul 04
NAV (21 Nov 24) ₹43.2874 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹2,304 on 15 Nov 24
Category Debt - Credit Risk
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.56
Sharpe Ratio 1.57
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 8.61%
Effective Maturity 3 Years 1 Month 20 Days
Modified Duration 2 Years 3 Months 4 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,894
31 Oct 21₹11,519
31 Oct 22₹11,955
31 Oct 23₹12,929
31 Oct 24₹13,980

SBI Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month 0.7%
3 Month 1.7%
6 Month 4.2%
1 Year 8%
3 Year 6.7%
5 Year 6.9%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Lokesh Mallya1 Feb 177.75 Yr.
Pradeep Kesavan1 Dec 230.92 Yr.
Adesh Sharma1 Dec 230.92 Yr.

Data below for SBI Credit Risk Fund as on 15 Nov 24

Asset Allocation
Asset ClassValue
Cash6.33%
Equity2.7%
Debt90.65%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate76.01%
Government14.64%
Cash Equivalent6.33%
Credit Quality
RatingValue
A10.8%
AA74.31%
AAA14.9%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.23% Govt Stock 2039
Sovereign Bonds | -
8%₹196 Cr19,000,000
Aadhar Housing Finance Limited
Debentures | -
5%₹112 Cr11,200
Nirma Limited
Debentures | -
5%₹111 Cr11,000
Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -
5%₹109 Cr11,000
Infopark Properties Ltd.
Debentures | -
5%₹105 Cr10,500
Jindal Stainless Limited
Debentures | -
4%₹87 Cr900
7.1% Govt Stock 2034
Sovereign Bonds | -
4%₹87 Cr8,500,000
Century Textiles And Industried Limited
Debentures | -
4%₹85 Cr8,500
Sandur Manganese And Iron Ores Limited (The)
Debentures | -
4%₹84 Cr8,500
↑ 8,500
Avanse Financial Services Ltd.
Debentures | -
3%₹80 Cr8,000

5. 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% since its launch.  Ranked 3 in Government Bond category.  Return for 2023 was 7.6% , 2022 was 4.2% and 2021 was 3% .

Below is the key information for SBI Magnum Gilt Fund

SBI Magnum Gilt Fund
Growth
Launch Date 30 Dec 00
NAV (21 Nov 24) ₹62.8824 ↓ -0.10   (-0.17 %)
Net Assets (Cr) ₹10,937 on 31 Oct 24
Category Debt - Government Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 0.94
Sharpe Ratio 1.21
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.99%
Effective Maturity 22 Years 6 Months 14 Days
Modified Duration 9 Years 3 Months 22 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹11,210
31 Oct 21₹11,573
31 Oct 22₹11,963
31 Oct 23₹12,832
31 Oct 24₹14,122

SBI Magnum Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 21 Nov 24

DurationReturns
1 Month -0.2%
3 Month 0.9%
6 Month 4.1%
1 Year 9%
3 Year 6.6%
5 Year 7%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.6%
2022 4.2%
2021 3%
2020 11.7%
2019 13.1%
2018 5.1%
2017 3.9%
2016 16.3%
2015 7.3%
2014 19.9%
Fund Manager information for SBI Magnum Gilt Fund
NameSinceTenure
Rajeev Radhakrishnan1 Nov 231 Yr.
Tejas Soman1 Dec 230.92 Yr.

Data below for SBI Magnum Gilt Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash9.76%
Debt90.24%
Debt Sector Allocation
SectorValue
Government90.24%
Cash Equivalent9.76%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
36%₹3,886 Cr372,000,000
7.23% Govt Stock 2039
Sovereign Bonds | -
20%₹2,199 Cr213,000,000
↑ 25,000,000
7.1% Govt Stock 2034
Sovereign Bonds | -
19%₹2,093 Cr205,603,800
↓ -94,533,900
7.3% Govt Stock 2053
Sovereign Bonds | -
8%₹915 Cr88,000,000
7.93% Govt Stock 2033
Sovereign Bonds | -
2%₹242 Cr23,500,000
7.25% Govt Stock 2063
Sovereign Bonds | -
2%₹191 Cr18,500,000
7.26% Govt Stock 2033
Sovereign Bonds | -
1%₹154 Cr15,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
1%₹102 Cr10,202,600
↑ 10,202,600
Treps
CBLO/Reverse Repo | -
9%₹1,008 Cr
Net Receivable / Payable
CBLO | -
0%₹50 Cr

6. Nippon India Money Market Fund

(Erstwhile Reliance Liquidity Fund)

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 Money Market Fund is a Debt - Money Market fund was launched on 16 Jun 05. It is a fund with Low risk and has given a CAGR/Annualized return of 7.3% since its launch.  Ranked 27 in Money Market category.  Return for 2023 was 7.4% , 2022 was 5% and 2021 was 3.8% .

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund
Growth
Launch Date 16 Jun 05
NAV (21 Nov 24) ₹3,960.62 ↑ 1.23   (0.03 %)
Net Assets (Cr) ₹19,105 on 31 Oct 24
Category Debt - Money Market
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 0.37
Sharpe Ratio 2.89
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.46%
Effective Maturity 5 Months 30 Days
Modified Duration 5 Months 17 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,629
31 Oct 21₹11,026
31 Oct 22₹11,520
31 Oct 23₹12,372
31 Oct 24₹13,329

Nippon India Money Market Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Nippon India Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.7%
1 Year 7.7%
3 Year 6.6%
5 Year 5.9%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.4%
2022 5%
2021 3.8%
2020 6%
2019 8.1%
2018 7.9%
2017 6.6%
2016 7.6%
2015 8.3%
2014 9.1%
Fund Manager information for Nippon India Money Market Fund
NameSinceTenure
Kinjal Desai16 Jul 186.3 Yr.
Vikash Agarwal14 Sep 240.13 Yr.

Data below for Nippon India Money Market Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash90.15%
Debt9.63%
Other0.22%
Debt Sector Allocation
SectorValue
Cash Equivalent90.15%
Government9.63%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 12122024
Sovereign Bonds | -
2%₹323 Cr32,500,000
↓ -5,000,000
07.38% MP Sdl 2025
Sovereign Bonds | -
1%₹276 Cr27,500,000
08.10 JH Sdl 2025
Sovereign Bonds | -
1%₹251 Cr25,000,000
182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -
1%₹211 Cr21,500,000
↑ 21,500,000
182 DTB 05122024
Sovereign Bonds | -
1%₹199 Cr20,000,000
182 DTB 27022025
Sovereign Bonds | -
1%₹147 Cr15,000,000
↑ 15,000,000
182 DTB 18102024
Sovereign Bonds | -
1%₹147 Cr15,000,000
India (Republic of)
- | -
1%₹146 Cr15,000,000
364 DTB 13022025
Sovereign Bonds | -
1%₹108 Cr11,000,000
↑ 1,000,000
08.06 AP Sdl 2025
Sovereign Bonds | -
1%₹100 Cr10,000,000

7. Aditya Birla Sun Life Floating Rate Fund - Long Term

The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments.

Aditya Birla Sun Life Floating Rate Fund - Long Term is a Debt - Floating Rate fund was launched on 25 Mar 09. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8% since its launch.  Ranked 14 in Floating Rate category.  Return for 2023 was 7.5% , 2022 was 4.8% and 2021 was 3.6% .

Below is the key information for Aditya Birla Sun Life Floating Rate Fund - Long Term

Aditya Birla Sun Life Floating Rate Fund - Long Term
Growth
Launch Date 25 Mar 09
NAV (21 Nov 24) ₹331.51 ↑ 0.06   (0.02 %)
Net Assets (Cr) ₹13,142 on 31 Oct 24
Category Debt - Floating Rate
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.46
Sharpe Ratio 2.95
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.66%
Effective Maturity 2 Years 4 Months 2 Days
Modified Duration 1 Year 2 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,850
31 Oct 21₹11,306
31 Oct 22₹11,776
31 Oct 23₹12,651
31 Oct 24₹13,662

Aditya Birla Sun Life Floating Rate Fund - Long Term SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Aditya Birla Sun Life Floating Rate Fund - Long Term

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month 0.6%
3 Month 2%
6 Month 4%
1 Year 8%
3 Year 6.6%
5 Year 6.4%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.5%
2022 4.8%
2021 3.6%
2020 8.6%
2019 8.6%
2018 7.5%
2017 6.9%
2016 9.5%
2015 8.9%
2014 9.6%
Fund Manager information for Aditya Birla Sun Life Floating Rate Fund - Long Term
NameSinceTenure
Kaustubh Gupta20 Jun 1410.37 Yr.
Harshil Suvarnkar22 Mar 213.62 Yr.
Dhaval Joshi21 Nov 221.95 Yr.

Data below for Aditya Birla Sun Life Floating Rate Fund - Long Term as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash9.46%
Debt90.28%
Other0.26%
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.93% Govt Stock 2033
Sovereign Bonds | -
8%₹1,081 Cr105,000,000
LIC Housing Finance Ltd
Debentures | -
3%₹415 Cr4,250
National Bank For Agriculture And Rural Development
Debentures | -
3%₹409 Cr4,150
Hdb Financial Services Limited
Debentures | -
2%₹300 Cr30,000
Bajaj Housing Finance Limited
Debentures | -
2%₹257 Cr25,500
ICICI Home Finance Limited
Debentures | -
2%₹250 Cr25,000
Rural Electrification Corporation Limited
Debentures | -
2%₹250 Cr25,000
Rural Electrification Corporation Limited
Debentures | -
2%₹225 Cr22,500
Axis Bank Ltd.
Debentures | -
2%₹216 Cr4,500
↑ 4,500
HDB Financial Services Ltd. 8.04%
Debentures | -
2%₹200 Cr2,000

8. UTI Money Market Fund

To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities.

UTI Money Market Fund is a Debt - Money Market fund was launched on 13 Jul 09. It is a fund with Low risk and has given a CAGR/Annualized return of 7.3% since its launch.  Ranked 23 in Money Market category.  Return for 2023 was 7.4% , 2022 was 4.9% and 2021 was 3.7% .

Below is the key information for UTI Money Market Fund

UTI Money Market Fund
Growth
Launch Date 13 Jul 09
NAV (21 Nov 24) ₹2,941.77 ↑ 0.96   (0.03 %)
Net Assets (Cr) ₹16,113 on 31 Oct 24
Category Debt - Money Market
AMC UTI Asset Management Company Ltd
Rating
Risk Low
Expense Ratio 0.27
Sharpe Ratio 3.17
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.43%
Effective Maturity 5 Months 5 Days
Modified Duration 5 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,634
31 Oct 21₹11,029
31 Oct 22₹11,511
31 Oct 23₹12,370
31 Oct 24₹13,324

UTI Money Market Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for UTI Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.8%
1 Year 7.7%
3 Year 6.6%
5 Year 5.9%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.4%
2022 4.9%
2021 3.7%
2020 6%
2019 8%
2018 7.8%
2017 6.7%
2016 7.7%
2015 8.4%
2014 9.1%
Fund Manager information for UTI Money Market Fund
NameSinceTenure
Anurag Mittal1 Dec 212.92 Yr.
Amit Sharma7 Jul 177.33 Yr.

Data below for UTI Money Market Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash90.48%
Debt9.29%
Other0.23%
Debt Sector Allocation
SectorValue
Cash Equivalent90.48%
Government9.29%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 18102024
Sovereign Bonds | -
6%₹1,012 Cr10,350,000,000
↑ 5,350,000,000
182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -
2%₹294 Cr3,000,000,000
↑ 3,000,000,000
182 DTB 07112024
Sovereign Bonds | -
1%₹200 Cr2,000,000,000
08.09 Ts SDL 2025
Sovereign Bonds | -
1%₹135 Cr1,350,000,000
08.08 CG Sdl 2025
Sovereign Bonds | -
1%₹100 Cr1,000,000,000
7.52% GJ Sdl 08/03/2025
Sovereign Bonds | -
1%₹100 Cr1,000,000,000
08.09 Uk SDL 2025
Sovereign Bonds | -
0%₹50 Cr500,000,000
182 DTB 12122024
Sovereign Bonds | -
0%₹50 Cr500,000,000
↓ -3,000,000,000
08.07 GJ Sdl 2025
Sovereign Bonds | -
0%₹45 Cr450,000,000
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS
Investment Fund | -
0%₹37 Cr35,515

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۔
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