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 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 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 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 (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 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 Below is the key information for SBI Dynamic Bond Fund 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 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 Below is the key information for DSP BlackRock Government Securities Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Medium Term Plan
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% . Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (05 Nov 24) ₹36.8077 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹1,921 on 30 Sep 24 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 1.55 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 7.73% Effective Maturity 5 Years 1 Month 10 Days Modified Duration 3 Years 10 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹9,829 31 Oct 21 ₹10,863 31 Oct 22 ₹13,465 31 Oct 23 ₹14,377 31 Oct 24 ₹15,955 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 5 Nov 24 Duration Returns 1 Month 2.3% 3 Month 3.6% 6 Month 6.9% 1 Year 10.8% 3 Year 13.6% 5 Year 9.8% 10 Year 15 Year Since launch 8.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.9% 2022 24.8% 2021 7.1% 2020 8.1% 2019 -4.4% 2018 5.6% 2017 7% 2016 10.9% 2015 9.5% 2014 12% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 10.09 Yr. Mohit Sharma 6 Aug 20 4.15 Yr. Dhaval Joshi 21 Nov 22 1.86 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 7.65% Equity 3.26% Debt 87.69% Other 1.4% Debt Sector Allocation
Sector Value Government 49% Corporate 37.88% Cash Equivalent 7.65% Securitized 0.81% Credit Quality
Rating Value A 2.58% AA 33.14% AAA 64.28% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.18 Goi 2033
Sovereign Bonds | -29% ₹550 Cr 53,500,000
↓ -500,000 7.26% Govt Stock 2033
Sovereign Bonds | -11% ₹206 Cr 20,000,000 07.18 Goi 2028
Sovereign Bonds | -6% ₹108 Cr 10,500,000 Adani Airport Holdings Ltd. 9.35%
Debentures | -3% ₹52 Cr 5,300
↑ 5,300 Creditaccess Grameen Limited
Debentures | -3% ₹50 Cr 500,000 JSW Steel Limited
Debentures | -3% ₹50 Cr 500 Belstar Microfinance Limited
Debentures | -3% ₹50 Cr 5,000 Piramal Capital & Housing Finance Limited
Debentures | -2% ₹48 Cr 4,800 Hinduja Housing Finance Limited 8.85%
Debentures | -2% ₹46 Cr 4,600 JM Financial Products Limited
Debentures | -2% ₹40 Cr 4,000 2. 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 (05 Nov 24) ₹43.8873 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹1,693 on 15 Oct 24 Category Debt - Dynamic Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.21 Sharpe Ratio 1.22 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.
Date Value 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 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 5 Nov 24 Duration Returns 1 Month 0.5% 3 Month 2.1% 6 Month 5.5% 1 Year 9.6% 3 Year 7.1% 5 Year 6.2% 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 3.53 Yr. Bhupesh Bameta 6 Aug 20 4.15 Yr. Dhaval Joshi 21 Nov 22 1.86 Yr. Data below for Aditya Birla Sun Life Dynamic Bond Fund as on 15 Oct 24
Asset Allocation
Asset Class Value Cash 2.46% Debt 97.27% Other 0.27% Debt Sector Allocation
Sector Value Government 81.03% Corporate 16.24% Cash Equivalent 2.46% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.18 Goi 2028
Sovereign Bonds | -35% ₹588 Cr 57,000,000
↓ -4,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -15% ₹247 Cr 23,500,000 07.23 Goi 2064
Sovereign Bonds | -13% ₹213 Cr 20,500,000
↓ -2,500,000 07.18 Goi 2033
Sovereign Bonds | -10% ₹175 Cr 17,000,000
↓ -17,500,000 Cholamandalam Investment And Finance Company Limited
Debentures | -5% ₹80 Cr 8,000
↑ 8,000 State Bank Of India
Debentures | -4% ₹75 Cr 75
↑ 75 7.25% Govt Stock 2063
Sovereign Bonds | -3% ₹52 Cr 5,000,000 Bajaj Finance Ltd. 7.93%
Debentures | -3% ₹50 Cr 5,000
↑ 5,000 Adani Airport Holdings Ltd. 9.35%
Debentures | -3% ₹45 Cr 4,500
↑ 4,500 7.1% Govt Stock 2034
Sovereign Bonds | -2% ₹37 Cr 3,590,200
↑ 3,590,200 3. 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 (05 Nov 24) ₹30.118 ↓ -0.02 (-0.07 %) Net Assets (Cr) ₹6,428 on 15 Oct 24 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 2.08 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 8.6% Effective Maturity 2 Years 2 Months 8 Days Modified Duration 1 Year 8 Months 12 Days Growth of 10,000 investment over the years.
Date Value 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 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Nov 24 Duration Returns 1 Month 0.8% 3 Month 2.4% 6 Month 5% 1 Year 9.1% 3 Year 6.9% 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 7.9 Yr. Akhil Kakkar 22 Jan 24 0.69 Yr. Data below for ICICI Prudential Regular Savings Fund as on 15 Oct 24
Asset Allocation
Asset Class Value Cash 15.07% Equity 1.88% Debt 82.74% Other 0.32% Debt Sector Allocation
Sector Value Corporate 74.37% Government 10.48% Cash Equivalent 7.42% Securitized 5.54% Credit Quality
Rating Value A 12.92% AA 57.63% AAA 29.45% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks Reit
Unlisted bonds | -5% ₹302 Cr 7,756,117 Varroc Engineering Limited
Debentures | -4% ₹248 Cr 25,000 7.10%Goi 08/04/2034
Sovereign Bonds | -4% ₹244 Cr 23,795,630 Millennia Realtors Private Limited
Debentures | -3% ₹210 Cr 2,100 07.18 Goi 14082033
Sovereign Bonds | -3% ₹186 Cr 18,130,230
↓ -17,500,000 Aadhar Housing Finance Ltd
Debentures | -3% ₹175 Cr 17,500 7.17% Govt Stock 2030
Sovereign Bonds | -2% ₹153 Cr 15,000,000
↑ 15,000,000 Nirma Limited
Debentures | -2% ₹151 Cr 15,000 Kalpataru Projects International Limited
Debentures | -2% ₹150 Cr 15,000 Dlf Home Developers Limited
Debentures | -2% ₹150 Cr 15,000 4. SBI Magnum Gilt Fund
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% . SBI Magnum Gilt Fund
Growth Launch Date 30 Dec 00 NAV (05 Nov 24) ₹63.0883 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹10,626 on 15 Oct 24 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 1.53 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.96% Effective Maturity 23 Years 5 Months 12 Days Modified Duration 9 Years 6 Months 22 Days Growth of 10,000 investment over the years.
Date Value 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 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Nov 24 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 5.5% 1 Year 9.9% 3 Year 6.9% 5 Year 7.2% 10 Year 15 Year Since launch 8% 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 0.92 Yr. Tejas Soman 1 Dec 23 0.84 Yr. Data below for SBI Magnum Gilt Fund as on 15 Oct 24
Asset Allocation
Asset Class Value Cash 5.4% Debt 94.6% Debt Sector Allocation
Sector Value Government 94.6% Cash Equivalent 5.4% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -37% ₹3,823 Cr 362,000,000
↑ 100,000,000 7.10%Goi 08/04/2034
Sovereign Bonds | -35% ₹3,612 Cr 352,614,100
↓ -169,006,500 7.23% Goi 15/04/2039
Sovereign Bonds | -10% ₹1,066 Cr 102,500,000
↑ 102,500,000 7.30 Goi 19062053
Sovereign Bonds | -9% ₹925 Cr 88,000,000 Govt Stock 22092033
Sovereign Bonds | -2% ₹241 Cr 23,500,000 7.25% Govt Stock 2063
Sovereign Bonds | -2% ₹193 Cr 18,500,000 Net Receivable / Payable
CBLO | -3% ₹283 Cr Treps
CBLO/Reverse Repo | -3% ₹280 Cr 5. 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 (05 Nov 24) ₹43.1425 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹2,338 on 15 Oct 24 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.56 Sharpe Ratio 1.04 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 8.56% Effective Maturity 3 Years 1 Month 20 Days Modified Duration 2 Years 2 Months 23 Days Growth of 10,000 investment over the years.
Date Value 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 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Nov 24 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 4.3% 1 Year 8.1% 3 Year 6.7% 5 Year 6.9% 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 7.67 Yr. Pradeep Kesavan 1 Dec 23 0.84 Yr. Adesh Sharma 1 Dec 23 0.84 Yr. Data below for SBI Credit Risk Fund as on 15 Oct 24
Asset Allocation
Asset Class Value Cash 5.57% Equity 2.59% Debt 91.52% Other 0.31% Debt Sector Allocation
Sector Value Corporate 77% Government 14.52% Cash Equivalent 5.57% Credit Quality
Rating Value A 11.14% AA 65.42% AAA 23.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.23% Goi 15/04/2039
Sovereign Bonds | -8% ₹198 Cr 19,000,000
↑ 19,000,000 Aadhar Housing Finance Limited
Debentures | -5% ₹112 Cr 11,200 Nirma Limited
Debentures | -5% ₹111 Cr 11,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹109 Cr 11,000 Infopark Properties Ltd.
Debentures | -4% ₹105 Cr 10,500 Jindal Stainless Limited
Debentures | -4% ₹87 Cr 900 7.10%Goi 08/04/2034
Sovereign Bonds | -4% ₹87 Cr 8,500,000
↓ -25,000,000 Century Textiles And Industried Limited
Debentures | -4% ₹85 Cr 8,500
↑ 8,500 Avanse Financial Services Ltd.
Debentures | -3% ₹80 Cr 8,000 Renserv Global Pvt Ltd.
Debentures | -3% ₹80 Cr 8,000 6. SBI Dynamic Bond Fund
CAGR/Annualized return of since its launch. Ranked 5 in Dynamic Bond category. Return for 2023 was 7.1% , 2022 was 4.2% and 2021 was 2% . SBI Dynamic Bond Fund
Growth Launch Date 9 Feb 04 NAV (05 Nov 24) ₹34.0832 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹3,282 on 15 Oct 24 Category Debt - Dynamic Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.48 Sharpe Ratio 1.23 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 7.08% Effective Maturity 20 Years 4 Months 28 Days Modified Duration 8 Years 9 Months 14 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,121 31 Oct 21 ₹11,356 31 Oct 22 ₹11,718 31 Oct 23 ₹12,535 31 Oct 24 ₹13,739 Returns for SBI Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Nov 24 Duration Returns 1 Month 0.4% 3 Month 1.9% 6 Month 5.3% 1 Year 9.5% 3 Year 6.6% 5 Year 6.6% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 12.8% Fund Manager information for SBI Dynamic Bond Fund
Name Since Tenure Rajeev Radhakrishnan 1 Nov 23 0.92 Yr. Tejas Soman 31 Dec 23 0.75 Yr. Pradeep Kesavan 31 Dec 23 0.75 Yr. Data below for SBI Dynamic Bond Fund as on 15 Oct 24
Asset Allocation
Asset Class Value Cash 3.3% Debt 96.45% Other 0.25% Debt Sector Allocation
Sector Value Government 85.2% Corporate 11.25% Cash Equivalent 3.3% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.10%Goi 08/04/2034
Sovereign Bonds | -23% ₹742 Cr 72,466,100
↑ 500,000 7.34% Govt Stock 2064
Sovereign Bonds | -17% ₹565 Cr 53,500,000 7.25% Govt Stock 2063
Sovereign Bonds | -14% ₹450 Cr 43,138,000 07.18 Goi 24072037
Sovereign Bonds | -9% ₹299 Cr 29,000,000
↓ -3,000,000 7.30 Goi 19062053
Sovereign Bonds | -8% ₹263 Cr 25,000,000 Highways Infrastructure Trust
Debentures | -5% ₹164 Cr 16,250 National Bank For Financing Infrastructure And Development
Debentures | -5% ₹152 Cr 15,000 Bajaj Finance Ltd.
Debentures | -5% ₹151 Cr 15,000
↑ 15,000 Power Grid Corporation Of India Limited
Debentures | -4% ₹131 Cr 13,000
↑ 13,000 National Bank For Financing Infrastructure And Development
Debentures | -3% ₹102 Cr 10,000 7. 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 (05 Nov 24) ₹32.9567 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹1,020 on 30 Sep 24 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.63 Sharpe Ratio 2.29 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 8.72% Effective Maturity 2 Years 7 Months 20 Days Modified Duration 2 Years 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹9,253 31 Oct 21 ₹10,564 31 Oct 22 ₹10,970 31 Oct 23 ₹11,829 31 Oct 24 ₹12,803 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Nov 24 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 4.3% 1 Year 8.3% 3 Year 6.6% 5 Year 5.1% 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 6.36 Yr. Sushil Budhia 1 Feb 20 4.67 Yr. Data below for Nippon India Credit Risk Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 13.3% Debt 86.44% Other 0.26% Debt Sector Allocation
Sector Value Corporate 71.4% Government 15.04% Cash Equivalent 13.3% Credit Quality
Rating Value A 18.33% AA 50.19% AAA 31.48% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.32 Goi 2030
Sovereign Bonds | -7% ₹72 Cr 7,000,000 Summit Digitel Infrastructure Limited
Debentures | -6% ₹61 Cr 620 7.10% Govt Stock 18042028
Sovereign Bonds | -5% ₹51 Cr 5,000,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹49 Cr 5,000 Century Textiles And Industries Limited
Debentures | -4% ₹45 Cr 4,500
↑ 500 Shriram Housing Finance Limited 9.25%
Debentures | -4% ₹40 Cr 4,000 DLF Cyber City Developers Limited 8.4%
Debentures | -4% ₹40 Cr 4,000 Prestige Projects Private Limited 11.75%
Debentures | -4% ₹40 Cr 4,000 Piramal Capital & Housing Finance Limited
Debentures | -4% ₹36 Cr 485,063 Delhi International Airport Limited
Debentures | -3% ₹35 Cr 3,500 8. DSP BlackRock Government Securities Fund
CAGR/Annualized return of 9.2% since its launch. Ranked 9 in Government Bond category. Return for 2023 was 7.1% , 2022 was 2.7% and 2021 was 3.1% . DSP BlackRock Government Securities Fund
Growth Launch Date 30 Sep 99 NAV (05 Nov 24) ₹91.8388 ↑ 0.04 (0.04 %) Net Assets (Cr) ₹1,418 on 30 Sep 24 Category Debt - Government Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 1.1 Sharpe Ratio 1.42 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 6.89% Effective Maturity 26 Years 8 Months 23 Days Modified Duration 11 Years 1 Month 28 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,277 31 Oct 21 ₹11,672 31 Oct 22 ₹11,885 31 Oct 23 ₹12,633 31 Oct 24 ₹14,110 Returns for DSP BlackRock Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Nov 24 Duration Returns 1 Month 0.4% 3 Month 2.4% 6 Month 6.1% 1 Year 11.4% 3 Year 6.6% 5 Year 7.2% 10 Year 15 Year Since launch 9.2% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 15% Fund Manager information for DSP BlackRock Government Securities Fund
Name Since Tenure Sandeep Yadav 1 Aug 24 0.16 Yr. Shantanu Godambe 1 Jun 23 1.33 Yr. Data below for DSP BlackRock Government Securities Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 0.7% Debt 99.3% Debt Sector Allocation
Sector Value Government 99.3% Cash Equivalent 0.7% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.30 Goi 19062053
Sovereign Bonds | -28% ₹402 Cr 37,500,000
↓ -9,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -21% ₹299 Cr 27,500,000
↓ -3,500,000 7.12% State Government Of Maharashtra 2043
Sovereign Bonds | -14% ₹201 Cr 20,000,000
↑ 20,000,000 7.14% Madhya Pradesh SDL 2043
Sovereign Bonds | -9% ₹126 Cr 12,500,000
↑ 12,500,000 7.10%Goi 08/04/2034
Sovereign Bonds | -7% ₹106 Cr 10,000,000
↑ 10,000,000 7.26% Maharashtra SDL 2050
Sovereign Bonds | -7% ₹103 Cr 10,000,000
↑ 10,000,000 07.09 Goi 05082054
Sovereign Bonds | -6% ₹83 Cr 8,000,000
↓ -4,500,000 7.85% MP Sdl 2032
Sovereign Bonds | -4% ₹54 Cr 5,000,000 7.22% Maharashtra SDL 2049
Sovereign Bonds | -1% ₹15 Cr 1,500,000
↑ 1,500,000 7.25% State Government Of Maharashtra 2044
Sovereign Bonds | -1% ₹10 Cr 1,000,000
↑ 1,000,000
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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