Table of Contents
ایف ڈی بمقابلہ ڈیبٹ میوچل فنڈ
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
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 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 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 Below is the key information for SBI Magnum Gilt 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 (Erstwhile UTI - Floating Rate Fund - Short Term Plan) To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns. UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a Below is the key information for UTI Ultra Short Term 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 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 (17 Sep 24) ₹35.9133 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹1,869 on 31 Jul 24 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 0.58 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 7.86% Effective Maturity 5 Years 1 Month 13 Days Modified Duration 3 Years 9 Months 7 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 19 ₹10,000 31 Aug 20 ₹9,661 31 Aug 21 ₹10,646 31 Aug 22 ₹13,213 31 Aug 23 ₹14,136 31 Aug 24 ₹15,267 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 17 Sep 24 Duration Returns 1 Month 0.9% 3 Month 2.6% 6 Month 4.9% 1 Year 8.4% 3 Year 12.8% 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 10.01 Yr. Mohit Sharma 6 Aug 20 4.07 Yr. Dhaval Joshi 21 Nov 22 1.78 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Jul 24
Asset Allocation
Asset Class Value Cash 6.5% Equity 3.27% Debt 88.87% Other 1.37% Debt Sector Allocation
Sector Value Government 48.98% Corporate 39.07% Cash Equivalent 6.5% Securitized 0.82% Credit Quality
Rating Value A 2.61% AA 30.75% AAA 66.63% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -29% ₹550 Cr 54,000,000 7.26% Govt Stock 2033
Sovereign Bonds | -11% ₹205 Cr 20,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -6% ₹107 Cr 10,500,000
↑ 500,000 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 | -3% ₹48 Cr 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. 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 (17 Sep 24) ₹3,338.3 ↑ 0.45 (0.01 %) Net Assets (Cr) ₹2,849 on 31 Jul 24 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.44 Sharpe Ratio 0.59 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.55% Effective Maturity 1 Year 11 Days Modified Duration 11 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Aug 19 ₹10,000 31 Aug 20 ₹10,798 31 Aug 21 ₹11,296 31 Aug 22 ₹12,277 31 Aug 23 ₹13,102 31 Aug 24 ₹14,059 Returns for UTI Treasury Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 24 Duration Returns 1 Month 0.7% 3 Month 2% 6 Month 3.9% 1 Year 7.5% 3 Year 7.7% 5 Year 7.1% 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 2.75 Yr. Data below for UTI Treasury Advantage Fund as on 31 Jul 24
Asset Allocation
Asset Class Value Cash 36.54% Debt 63.16% Other 0.31% Debt Sector Allocation
Sector Value Corporate 54.29% Government 23.61% Cash Equivalent 21.79% Credit Quality
Rating Value AA 4.57% AAA 95.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen And Toubro Limited
Debentures | -4% ₹125 Cr 12,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹100 Cr 10,000 Kotak Mahindra Bank Ltd.
Debentures | -3% ₹97 Cr 1,000,000,000 7.04% Govt Stock 2029
Sovereign Bonds | -3% ₹91 Cr 900,000,000 08.05 GJ Sdl 2025
Sovereign Bonds | -3% ₹75 Cr 750,000,000 Rural Electrification Corporation Limited
Debentures | -3% ₹75 Cr 7,500 Indian Railway Finance Corporation Limited
Debentures | -3% ₹75 Cr 7,500 Larsen & Toubro Ltd.
Debentures | -3% ₹75 Cr 7,500 Small Industries Development Bank Of India
Debentures | -3% ₹75 Cr 7,500
↑ 2,500 ICICI Bank Ltd.
Debentures | -3% ₹73 Cr 750,000,000 3. 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 (17 Sep 24) ₹29.791 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹2,745 on 31 Jul 24 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 0.4 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.74% Effective Maturity 3 Years 3 Months 7 Days Modified Duration 2 Years 6 Months 25 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 19 ₹10,000 31 Aug 20 ₹11,040 31 Aug 21 ₹11,644 31 Aug 22 ₹12,541 31 Aug 23 ₹13,343 31 Aug 24 ₹14,348 Returns for UTI Short Term Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 24 Duration Returns 1 Month 0.8% 3 Month 2.2% 6 Month 3.8% 1 Year 7.8% 3 Year 7.3% 5 Year 7.5% 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 11.86 Yr. Data below for UTI Short Term Income Fund as on 31 Jul 24
Asset Allocation
Asset Class Value Cash 5.08% Debt 94.69% Other 0.23% Debt Sector Allocation
Sector Value Corporate 70.17% Government 24.52% Cash Equivalent 5.08% Credit Quality
Rating Value AA 5.88% AAA 94.12% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.04% Govt Stock 2029
Sovereign Bonds | -8% ₹237 Cr 2,350,000,000 National Bank For Agriculture And Rural Development
Debentures | -8% ₹226 Cr 22,500 National Housing Bank
Debentures | -7% ₹211 Cr 21,000 Small Industries Development Bank of India
Debentures | -7% ₹201 Cr 20,000 LIC Housing Finance Limited
Debentures | -6% ₹176 Cr 1,750 Power Finance Corp Ltd.
Debentures | -6% ₹175 Cr 17,500 7.37% Govt Stock 2028
Sovereign Bonds | -6% ₹168 Cr 1,650,000,000
↓ -500,000,000 Union Bank of India
Domestic Bonds | -5% ₹144 Cr 1,500,000,000
↓ -500,000,000 Bajaj Finance Limited
Debentures | -3% ₹100 Cr 10,000 Kotak Mahindra Prime Limited
Debentures | -3% ₹100 Cr 1,000 4. Aditya Birla Sun Life Dynamic Bond Fund
CAGR/Annualized return of 7.7% 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 (17 Sep 24) ₹43.5988 ↓ -0.06 (-0.13 %) Net Assets (Cr) ₹1,717 on 31 Jul 24 Category Debt - Dynamic Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.21 Sharpe Ratio 0.33 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 14 Years 5 Months 26 Days Modified Duration 8 Years 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 19 ₹10,000 31 Aug 20 ₹10,083 31 Aug 21 ₹10,763 31 Aug 22 ₹11,378 31 Aug 23 ₹12,113 31 Aug 24 ₹13,113 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 17 Sep 24 Duration Returns 1 Month 1.2% 3 Month 3.1% 6 Month 5% 1 Year 9.1% 3 Year 6.9% 5 Year 5.6% 10 Year 15 Year Since launch 7.7% 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 3.45 Yr. Bhupesh Bameta 6 Aug 20 4.07 Yr. Dhaval Joshi 21 Nov 22 1.78 Yr. Data below for Aditya Birla Sun Life Dynamic Bond Fund as on 31 Jul 24
Asset Allocation
Asset Class Value Cash 3.36% Debt 96.37% Other 0.27% Debt Sector Allocation
Sector Value Government 93.46% Cash Equivalent 3.36% Corporate 2.91% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2037
Sovereign Bonds | -37% ₹629 Cr 61,500,000
↑ 2,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -21% ₹351 Cr 34,500,000
↓ -500,000 7.3% Govt Stock 2053
Sovereign Bonds | -14% ₹244 Cr 23,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -14% ₹237 Cr 23,000,000 7.25% Govt Stock 2063
Sovereign Bonds | -3% ₹51 Cr 5,000,000 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 7.34% Govt Stock 2064
Sovereign Bonds | -1% ₹17 Cr 1,665,800
↑ 1,165,800 Goi 16.06.2026 Gov
Sovereign Bonds | -1% ₹14 Cr 1,529,000 5. SBI Magnum Gilt Fund
CAGR/Annualized return of 8.1% since its launch. Ranked 3 in Government Bond category. Return for 2023 was 7.6% , 2022 was 4.2% and 2021 was 3% . SBI Magnum Gilt Fund
Growth Launch Date 30 Dec 00 NAV (17 Sep 24) ₹62.8528 ↓ -0.07 (-0.11 %) Net Assets (Cr) ₹8,871 on 31 Jul 24 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 0.7 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.12% Effective Maturity 15 Years 9 Months 29 Days Modified Duration 8 Years 11 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 19 ₹10,000 31 Aug 20 ₹10,936 31 Aug 21 ₹11,574 31 Aug 22 ₹11,912 31 Aug 23 ₹12,852 31 Aug 24 ₹14,015 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 24 Duration Returns 1 Month 1.2% 3 Month 3.2% 6 Month 5.3% 1 Year 9.9% 3 Year 6.7% 5 Year 7.3% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Rajeev Radhakrishnan 1 Nov 23 0.84 Yr. Tejas Soman 1 Dec 23 0.75 Yr. Data below for SBI Magnum Gilt Fund as on 31 Jul 24
Asset Allocation
Asset Class Value Cash 3.76% Debt 96.24% Debt Sector Allocation
Sector Value Government 96.24% Cash Equivalent 3.76% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -54% ₹5,124 Cr 504,178,600
↓ -15,708,000 7.34% Govt Stock 2064
Sovereign Bonds | -28% ₹2,675 Cr 257,000,000
↑ 77,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -10% ₹912 Cr 88,000,000 8.34% Govt Stock 2033
Sovereign Bonds | -3% ₹242 Cr 23,500,000 7.25% Govt Stock 2063
Sovereign Bonds | -2% ₹190 Cr 18,500,000
↓ -4,500,000 Treps
CBLO/Reverse Repo | -3% ₹267 Cr Net Receivable / Payable
CBLO | -1% ₹89 Cr 7.18% Govt Stock 2033
Sovereign Bonds | -₹0 Cr 00
↓ -42,785,000 6. 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 (17 Sep 24) ₹29.7568 ↓ -0.01 (-0.05 %) Net Assets (Cr) ₹6,624 on 31 Jul 24 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 1.01 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 8.69% Effective Maturity 2 Years 7 Months 13 Days Modified Duration 2 Years 4 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 19 ₹10,000 31 Aug 20 ₹10,965 31 Aug 21 ₹11,894 31 Aug 22 ₹12,466 31 Aug 23 ₹13,279 31 Aug 24 ₹14,422 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 24 Duration Returns 1 Month 0.7% 3 Month 2.5% 6 Month 4% 1 Year 8.7% 3 Year 6.7% 5 Year 7.6% 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 7.82 Yr. Akhil Kakkar 22 Jan 24 0.61 Yr. Data below for ICICI Prudential Regular Savings Fund as on 31 Jul 24
Asset Allocation
Asset Class Value Cash 16.61% Equity 1.84% Debt 81.24% Other 0.31% Debt Sector Allocation
Sector Value Corporate 73.06% Government 10.28% Cash Equivalent 9.12% Securitized 5.39% Credit Quality
Rating Value A 14.34% AA 59.85% AAA 25.81% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -6% ₹363 Cr 35,630,230 Embassy Office Parks Reit
Unlisted bonds | -5% ₹301 Cr 7,756,117
↓ -700,000 Varroc Engineering Limited
Debentures | -4% ₹248 Cr 25,000 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹242 Cr 23,795,630 Millennia Realtors Private Limited
Debentures | -3% ₹210 Cr 2,100 Aadhar Housing Finance Ltd
Debentures | -3% ₹175 Cr 17,500 Nirma Limited
Debentures | -2% ₹151 Cr 15,000 Dlf Home Developers Limited
Debentures | -2% ₹150 Cr 15,000 Kalpataru Projects International Limited
Debentures | -2% ₹149 Cr 15,000 HDFC Bank Ltd.
Debentures | -2% ₹121 Cr 2,500 7. UTI Ultra Short Term Fund
CAGR/Annualized return of 6.8% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2023 was 6.7% , 2022 was 4.2% and 2021 was 6.1% . UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (17 Sep 24) ₹4,011.55 ↑ 0.84 (0.02 %) Net Assets (Cr) ₹2,139 on 31 Jul 24 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.96 Sharpe Ratio -0.67 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.63% Effective Maturity 5 Months 12 Days Modified Duration 5 Months 2 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 19 ₹10,000 31 Aug 20 ₹10,644 31 Aug 21 ₹11,052 31 Aug 22 ₹11,740 31 Aug 23 ₹12,490 31 Aug 24 ₹13,361 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.6% 1 Year 7.1% 3 Year 6.6% 5 Year 5.9% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.7% 2022 4.2% 2021 6.1% 2020 5.3% 2019 3.3% 2018 7% 2017 6.6% 2016 8.9% 2015 8.5% 2014 8.8% Fund Manager information for UTI Ultra Short Term Fund
Name Since Tenure Ritesh Nambiar 1 Jul 15 9.18 Yr. Data below for UTI Ultra Short Term Fund as on 31 Jul 24
Asset Allocation
Asset Class Value Cash 57.83% Debt 41.9% Other 0.27% Debt Sector Allocation
Sector Value Corporate 55.44% Cash Equivalent 40.12% Government 4.17% Credit Quality
Rating Value AA 27.43% AAA 72.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity Ntpc Limited
Debentures | -5% ₹100 Cr 1,000 Ongc Petro Additions Limited
Debentures | -3% ₹75 Cr 7,500 Shriram Finance Limited
Debentures | -3% ₹70 Cr 700 Bharti Telecom Limited
Debentures | -2% ₹50 Cr 500 Can Fin Homes Limited
Debentures | -2% ₹49 Cr 500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹49 Cr 500 ICICI Bank Ltd.
Debentures | -2% ₹49 Cr 500,000,000 Indian Bank
Domestic Bonds | -2% ₹48 Cr 500,000,000 ICICI Bank Ltd.
Debentures | -2% ₹48 Cr 500,000,000 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹48 Cr 500,000,000 8. 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 (17 Sep 24) ₹42.7853 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹2,402 on 31 Jul 24 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.56 Sharpe Ratio 0.66 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 8.47% Effective Maturity 3 Years 5 Months 26 Days Modified Duration 2 Years 3 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 19 ₹10,000 31 Aug 20 ₹10,819 31 Aug 21 ₹11,638 31 Aug 22 ₹12,060 31 Aug 23 ₹13,021 31 Aug 24 ₹14,032 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 24 Duration Returns 1 Month 0.7% 3 Month 2.1% 6 Month 4.3% 1 Year 7.9% 3 Year 6.5% 5 Year 7% 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 7.59 Yr. Pradeep Kesavan 1 Dec 23 0.75 Yr. Adesh Sharma 1 Dec 23 0.75 Yr. Data below for SBI Credit Risk Fund as on 31 Jul 24
Asset Allocation
Asset Class Value Cash 10.67% Equity 2.66% Debt 86.36% Other 0.31% Debt Sector Allocation
Sector Value Corporate 69.62% Government 16.73% Cash Equivalent 10.67% Credit Quality
Rating Value A 11.14% AA 65.42% AAA 23.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -12% ₹290 Cr 28,500,000 Aadhar Housing Finance Limited
Debentures | -5% ₹112 Cr 11,200 Nirma Limited
Debentures | -5% ₹111 Cr 11,000 Infopark Properties Limited
Debentures | -4% ₹105 Cr 10,500 Jindal Stainless Limited
Debentures | -4% ₹88 Cr 900 Avanse Financial Services Limited
Debentures | -3% ₹80 Cr 8,000 Renserv Global Pvt Ltd.
Debentures | -3% ₹80 Cr 8,000 JSW Steel Limited
Debentures | -3% ₹75 Cr 750 Rural Electrification Corporation Limited
Debentures | -3% ₹75 Cr 7,500 Nuvoco Vistas Corporation Limited
Debentures | -3% ₹75 Cr 750
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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