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Fincash » Mutual Funds » Best Debt Lumpsum Investments

6 Best Debt Mutual Funds for Lump sum Investments 2019

Updated on July 11, 2019 , 1904 views

Debt Mutual Fund schemes in India have grown over the years. As a result, the best performing mutual debt funds in the market keep on changing. There are various rating systems in place to judge a mutual fund scheme, namely CRISIL, Morning Star, ICRA. These systems evaluate a mutual fund in terms of returns, Standard Deviation, credit quality of securities, rate movement guidance by RBI, etc.

debt-lumpsum

Why To Invest Lump Sum in Debt Mutual Funds?

  • Better return than prevailing Fixed Deposit (FD) & Recurring deposit (RD) rates across banks
  • Returns are linked to debt markets
  • Immediate (T+1) redemption online
  • Indexation (Debt Taxation benefits) benefits on returns over three years

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Best Lumpsum Debt Mutual Funds FY 19 - 20

Below are the top ranked funds from Debt Categories primarily funds having AUM > 500 Crore & are in Ultra-short, Corporate bond, Credit Risk, Low Duration sub categories && Having maturity of less than 3 years and providing highest yields.

Top 6 Lump sum Debt Mutual Funds

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2018 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Credit Risk Fund Growth ₹7.0571
↑ 0.00
₹709 5,000 -46.6-46-48.1-14.7-0.314%1Y 9M 18D2Y 8M 12D
SBI Credit Risk Fund Growth ₹30.0186
↑ 0.01
₹5,407 5,000 0.52.66.676.212.02%1Y 10M 28D2Y 7M 10D
Reliance Credit Risk Fund Growth ₹25.3514
↑ 0.01
₹9,292 500 -1.70.13.86.16.111.51%1Y 6M 11D1Y 11M 23D
Aditya Birla Sun Life Credit Risk Fund Growth ₹13.8969
↑ 0.01
₹7,088 1,000 1.62.767.66.611.33%1Y 7M 13D2Y 2M 12D
Baroda Pioneer Treasury Advantage Fund Growth ₹1,810.57
↑ 0.44
₹542 5,000 -16.6-15.4-12.40.5710.91%9M 29D1Y 27D
DHFL Pramerica Credit Risk Fund Growth ₹14.0683
↑ 0.00
₹796 5,000 -2.8-1.41.75.35.110.84%1Y 5M 1D1Y 11M 8D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Jul 19
*List of Debt Mutual Funds having net assets > 500 Crore and Fund have assets under manegement for atleast 3 years.

1. BOI AXA Credit Risk Fund

(Erstwhile BOI AXA Corporate Credit Spectrum Fund)

The Scheme’s investment objective is to generate capital appreciation over the long term by investing predominantly in corporate debt across the credit spectrum within the universe of investment grade rating. To achieve this objective, the Scheme will seek to make investments in rated, unrated instruments and structured obligations of public and private companies.

BOI AXA Credit Risk Fund is a Debt - Credit Risk fund was launched on 27 Feb 15. It is a fund with Moderate risk and has given a CAGR/Annualized return of -7.7% since its launch.  Return for 2018 was -0.3% , 2017 was 9.3% and 2016 was 11.2% .

Below is the key information for BOI AXA Credit Risk Fund

BOI AXA Credit Risk Fund
Growth
Launch Date 27 Feb 15
NAV (12 Jul 19) ₹7.0571 ↑ 0.00   (0.02 %)
Net Assets (Cr) ₹709 on 30 Apr 19
Category Debt - Credit Risk
AMC BOI AXA Investment Mngrs Private Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 2.17
Sharpe Ratio -0.75
Information Ratio -0.41
Alpha Ratio -8.38
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-12 Months (4%),12-24 Months (3%),24-36 Months (2%),36 Months and above(NIL)
Yield to Maturity 14%
Effective Maturity 2 Years 8 Months 12 Days
Modified Duration 1 Year 9 Months 18 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 15₹10,243
30 Jun 16₹11,328
30 Jun 17₹12,602
30 Jun 18₹13,533
30 Jun 19₹6,931

BOI AXA Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%

Returns for BOI AXA 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 12 Jul 19

DurationReturns
1 Month -41.2%
3 Month -46.6%
6 Month -46%
1 Year -48.1%
3 Year -14.7%
5 Year
10 Year
15 Year
Since launch -7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -0.3%
2017 9.3%
2016 11.2%
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for BOI AXA Credit Risk Fund
NameSinceTenure
Alok Singh27 Feb 154.26 Yr.

Data below for BOI AXA Credit Risk Fund as on 30 Apr 19

Asset Allocation
Asset ClassValue
Cash1.08%
Debt98.92%
Debt Sector Allocation
SectorValue
Corporate98.92%
Cash Equivalent1.08%
Credit Quality
RatingValue
A44.95%
BBB19.11%
Below B2.8%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Karuna Healthcare Private Limited
Debentures | -
19%₹99 Cr8,656,000
SINTEX-BAPL Limited
Debentures | -
18%₹95 Cr1,000,000,000
DRSR Logistics Services Private Limited
Debentures | -
13%₹67 Cr5,070,000
Net Receivables / (Payables)
Net Current Assets | -
9%-₹51 Cr
Marck Remedies Private Limited
Debentures | -
8%₹43 Cr366,700,000
Coffee Day Natural Resources Private Limited
Debentures | -
7%₹40 Cr3,460,000
Accelarating Education And Development Private Limited
Debentures | -
7%₹39 Cr400,000,000
Accelarating Education And Development Private Limited
Debentures | -
7%₹38 Cr400,000,000
RKV Enterprises Private Limited
Debentures | -
6%₹30 Cr4,000,000
Avantha Holdings Limited
Debentures | -
4%₹19 Cr1,500,000

2. 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 7.6% since its launch.  Ranked 3 in Credit Risk category.  Return for 2018 was 6.2% , 2017 was 6.9% and 2016 was 10.5% .

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund
Growth
Launch Date 19 Jul 04
NAV (12 Jul 19) ₹30.0186 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹5,407 on 30 Apr 19
Category Debt - Credit Risk
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.62
Sharpe Ratio 1.11
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 12.02%
Effective Maturity 2 Years 7 Months 10 Days
Modified Duration 1 Year 10 Months 28 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 14₹10,000
30 Jun 15₹11,071
30 Jun 16₹12,161
30 Jun 17₹13,335
30 Jun 18₹13,976
30 Jun 19₹14,873

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 ₹206,148.
Net Profit of ₹26,148
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 12 Jul 19

DurationReturns
1 Month 0.3%
3 Month 0.5%
6 Month 2.6%
1 Year 6.6%
3 Year 7%
5 Year 8.4%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.2%
2017 6.9%
2016 10.5%
2015 9.7%
2014 10.6%
2013 10.1%
2012 9.8%
2011 9.4%
2010 5.6%
2009 4.5%
Fund Manager information for SBI Credit Risk Fund
NameSinceTenure
Lokesh Mallya1 Feb 172.24 Yr.
Mansi Sajeja1 Feb 172.24 Yr.

Data below for SBI Credit Risk Fund as on 30 Apr 19

Asset Allocation
Asset ClassValue
Cash14.64%
Debt85.36%
Debt Sector Allocation
SectorValue
Corporate80.14%
Cash Equivalent14.64%
Government5.21%
Credit Quality
RatingValue
A24.59%
AA47.48%
AAA22.52%
BBB5.41%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Muthoot Finance Limited
Debentures | -
5%₹272 Cr2,750,000
Sterlite Grid 2 Ltd.
Debentures | -
5%₹250 Cr2,500
EMBASSY OFFICE PARKS REIT
Debentures | -
4%₹200 Cr2,000
↑ 2,000
Greenko Energies Private Limited
Debentures | -
4%₹197 Cr19,700
SADBHAV ENGINEERING LIMITED
Debentures | -
4%₹190 Cr1,900
Net Receivable / Payable
CBLO | -
3%₹175 Cr
Dalmia Cement (Bharat) Limited
Debentures | -
3%₹138 Cr1,370
Tata Realty And Infrastructure Limited
Debentures | -
3%₹136 Cr1,250
L & T Vadodara Bharuch Tollway Limited
Debentures | -
2%₹128 Cr130,000
Pune Solapur Expressways Pvt. Ltd
Debentures | -
2%₹127 Cr13,182

3. Reliance Credit Risk Fund

(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.

Reliance 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 CAGR/Annualized return of 6.8% since its launch.  Ranked 21 in Credit Risk category.  Return for 2018 was 6.1% , 2017 was 7% and 2016 was 10% .

Below is the key information for Reliance Credit Risk Fund

Reliance Credit Risk Fund
Growth
Launch Date 8 Jun 05
NAV (12 Jul 19) ₹25.3514 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹9,292 on 30 Apr 19
Category Debt - Credit Risk
AMC Reliance Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 2.13
Sharpe Ratio 0.29
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 11.51%
Effective Maturity 1 Year 11 Months 23 Days
Modified Duration 1 Year 6 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 14₹10,000
30 Jun 15₹10,976
30 Jun 16₹11,969
30 Jun 17₹13,101
30 Jun 18₹13,784
30 Jun 19₹14,279

Reliance 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 ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Reliance 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 12 Jul 19

DurationReturns
1 Month -0.2%
3 Month -1.7%
6 Month 0.1%
1 Year 3.8%
3 Year 6.1%
5 Year 7.5%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.1%
2017 7%
2016 10%
2015 8.8%
2014 11%
2013 8%
2012 9.6%
2011 8.4%
2010 4.7%
2009 8%
Fund Manager information for Reliance Credit Risk Fund
NameSinceTenure
Prashant Pimple9 Oct 099.48 Yr.
Kinjal Desai25 May 180.85 Yr.

Data below for Reliance Credit Risk Fund as on 30 Apr 19

Asset Allocation
Asset ClassValue
Cash12.11%
Debt87.89%
Other0%
Debt Sector Allocation
SectorValue
Corporate79.38%
Cash Equivalent12.11%
Securitized7.36%
Government1.15%
Credit Quality
RatingValue
A47.89%
AA22.11%
AAA10.52%
BBB12.22%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
RMZ Buildcon Private Limited
Debentures | -
9%₹811 Cr10,100
Yes Bank Limited
Debentures | -
7%₹594 Cr6,500
Renew Power Ventures Private Limited
Debentures | -
4%₹331 Cr3,300
MARIPOSA AGRI VENTURES AND HOSPITALITIES PRIVATE LIMITED
Debentures | -
4%₹329 Cr3,000
Nirma Limited
Debentures | -
3%₹296 Cr3,000
Indiabulls Housing Finance Limited
Debentures | -
3%₹292 Cr2,960
Renew Wind Energy (Rajasthan One) Private Limited
Debentures | -
3%₹288 Cr3,060
Vineha Enterprises Private Limited
Debentures | -
3%₹261 Cr22,500
Net Current Assets
Net Current Assets | -
3%₹255 Cr
Sugee Builders Private Limited
Debentures | -
3%₹216 Cr201

4. Aditya Birla Sun Life Credit Risk Fund

(Erstwhile Aditya Birla Sun Life Corporate Bond Fund)

The investment objective of the Scheme is to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.

Aditya Birla Sun Life Credit Risk Fund is a Debt - Credit Risk fund was launched on 17 Apr 15. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.1% since its launch.  Return for 2018 was 6.6% , 2017 was 8.1% and 2016 was 10.3% .

Below is the key information for Aditya Birla Sun Life Credit Risk Fund

Aditya Birla Sun Life Credit Risk Fund
Growth
Launch Date 17 Apr 15
NAV (12 Jul 19) ₹13.8969 ↑ 0.01   (0.05 %)
Net Assets (Cr) ₹7,088 on 30 Apr 19
Category Debt - Credit Risk
AMC Birla Sun Life Asset Management Co Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 2
Sharpe Ratio 1.3
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load 0-365 Days (1%),365 Days and above(NIL)
Yield to Maturity 11.33%
Effective Maturity 2 Years 2 Months 12 Days
Modified Duration 1 Year 7 Months 13 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 15₹10,119
30 Jun 16₹11,049
30 Jun 17₹12,313
30 Jun 18₹13,015
30 Jun 19₹13,755

Aditya Birla Sun Life 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 ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Aditya Birla Sun Life 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 12 Jul 19

DurationReturns
1 Month 1%
3 Month 1.6%
6 Month 2.7%
1 Year 6%
3 Year 7.6%
5 Year
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.6%
2017 8.1%
2016 10.3%
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
NameSinceTenure
Maneesh Dangi17 Apr 154.12 Yr.
Sunaina Cunha1 Apr 172.16 Yr.

Data below for Aditya Birla Sun Life Credit Risk Fund as on 30 Apr 19

Asset Allocation
Asset ClassValue
Cash10.67%
Equity0.09%
Debt89.24%
Debt Sector Allocation
SectorValue
Corporate74.39%
Cash Equivalent10.67%
Government9.23%
Securitized5.62%
Credit Quality
RatingValue
A21.61%
AA26.78%
AAA36.41%
B0.1%
BBB8.63%
Below B1.75%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Sprit Textiles Private Limited
Debentures | -
6%₹386 Cr2,785
Adilink Infra & Multitrading Private Limited
Debentures | -
5%₹304 Cr2,650
SP Imperial Star Private Limited
Unlisted bonds | -
4%₹242 Cr185
ASIRVAD MICRO FINANCE LIMITED
Debentures | -
3%₹214 Cr2,500
↑ 2,500
SPANDANA SPHOORTY FINANCIAL LIMITED
Debentures | -
3%₹209 Cr3,200
Net Receivables / (Payables)
Net Current Assets | -
3%₹196 Cr
STATE BANK OF INDIA
Debentures | -
3%₹177 Cr1,738
↓ -50
L & T Vadodara Bharuch Tollway Limited
Debentures | -
3%₹169 Cr170,850
Tata Motors Finance Limited
Debentures | -
2%₹163 Cr1,330
ADANI PROPERTIES PRIVATE LIMITED
Debentures | -
2%₹161 Cr150

5. Baroda Pioneer Treasury Advantage Fund

The main objective of the scheme is to provide optimal returns and liquidity through a portfolio comprising of debt securities and money market instruments.

Baroda Pioneer Treasury Advantage Fund is a Debt - Low Duration fund was launched on 24 Jun 09. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.1% since its launch.  Ranked 4 in Low Duration category.  Return for 2018 was 7% , 2017 was 7.6% and 2016 was 9.2% .

Below is the key information for Baroda Pioneer Treasury Advantage Fund

Baroda Pioneer Treasury Advantage Fund
Growth
Launch Date 24 Jun 09
NAV (12 Jul 19) ₹1,810.57 ↑ 0.44   (0.02 %)
Net Assets (Cr) ₹542 on 30 Apr 19
Category Debt - Low Duration
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating
Risk Moderately Low
Expense Ratio 0.84
Sharpe Ratio 3.15
Information Ratio 0.46
Alpha Ratio -8.08
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 10.91%
Effective Maturity 1 Year 27 Days
Modified Duration 9 Months 29 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 14₹10,000
30 Jun 15₹10,927
30 Jun 16₹11,915
30 Jun 17₹12,953
30 Jun 18₹13,822
30 Jun 19₹12,097

Baroda Pioneer Treasury Advantage Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹191,330.
Net Profit of ₹11,330
Invest Now

Returns for Baroda Pioneer Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jul 19

DurationReturns
1 Month 0.4%
3 Month -16.6%
6 Month -15.4%
1 Year -12.4%
3 Year 0.5%
5 Year 3.9%
10 Year
15 Year
Since launch 6.1%
Historical performance (Yearly) on absolute basis
YearReturns
2018 7%
2017 7.6%
2016 9.2%
2015 9%
2014 9.4%
2013 9.3%
2012 10.1%
2011 9.2%
2010 5.8%
2009
Fund Manager information for Baroda Pioneer Treasury Advantage Fund
NameSinceTenure
Hetal Shah24 Jun 099.94 Yr.
Alok Sahoo24 Jun 099.94 Yr.

Data below for Baroda Pioneer Treasury Advantage Fund as on 30 Apr 19

Asset Allocation
Asset ClassValue
Cash48.58%
Debt51.42%
Debt Sector Allocation
SectorValue
Corporate53.26%
Cash Equivalent46.74%
Credit Quality
RatingValue
A17.11%
AA24.44%
AAA23.75%
BBB34.7%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Indiabulls Housing Finance Limited
Debentures | -
19%₹95 Cr950
Dewan Housing Finance Corporation Limited
Debentures | -
15%₹72 Cr750,000
ARM INFRA & UTILITIES PRIVATE LIMITED
Debentures | -
10%₹51 Cr750
Yes Bank Limited
Debentures | -
9%₹45 Cr495
Edelweiss Commodities Services Limited
Debentures | -
9%₹44 Cr440
Aspire Home Finance Corporation Limited
Debentures | -
7%₹33 Cr330
Net Receivable / Payable
Net Current Assets | -
6%₹29 Cr
IndusInd Bank Limited
Debentures | -
5%₹24 Cr250
Dewan Housing Finance Corporation Limited
Debentures | -
4%₹19 Cr265,000
Muthoot Finance Limited
Debentures | -
3%₹15 Cr150,000

6. DHFL Pramerica Credit Risk Fund

(Erstwhile DHFL Pramerica Credit Opportunities Fund)

The investment objective of the Scheme is to generate income and capital appreciation by investing predominantly in corporate debt. There can be no assurance that the investment objective of the Scheme will be realized.

DHFL Pramerica Credit Risk Fund is a Debt - Credit Risk fund was launched on 29 Sep 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.4% since its launch.  Ranked 2 in Credit Risk category.  Return for 2018 was 5.1% , 2017 was 7.3% and 2016 was 10% .

Below is the key information for DHFL Pramerica Credit Risk Fund

DHFL Pramerica Credit Risk Fund
Growth
Launch Date 29 Sep 14
NAV (12 Jul 19) ₹14.0683 ↑ 0.00   (0.02 %)
Net Assets (Cr) ₹796 on 30 Apr 19
Category Debt - Credit Risk
AMC DHFL Pramerica Asset Managers Private Limited
Rating
Risk Moderate
Expense Ratio 1.93
Sharpe Ratio 1.15
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity 10.84%
Effective Maturity 1 Year 11 Months 8 Days
Modified Duration 1 Year 5 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
30 Jun 15₹10,881
30 Jun 16₹11,990
30 Jun 17₹13,123
30 Jun 18₹13,773
30 Jun 19₹13,962

DHFL Pramerica 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 ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for DHFL Pramerica 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 12 Jul 19

DurationReturns
1 Month 1.1%
3 Month -2.8%
6 Month -1.4%
1 Year 1.7%
3 Year 5.3%
5 Year
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2018 5.1%
2017 7.3%
2016 10%
2015 10.8%
2014
2013
2012
2011
2010
2009
Fund Manager information for DHFL Pramerica Credit Risk Fund
NameSinceTenure
Kumaresh Ramakrishnan8 Mar 163.06 Yr.

Data below for DHFL Pramerica Credit Risk Fund as on 30 Apr 19

Asset Allocation
Asset ClassValue
Cash11.41%
Debt88.59%
Debt Sector Allocation
SectorValue
Corporate77.87%
Cash Equivalent11.41%
Government10.72%
Credit Quality
RatingValue
A29.89%
AA40.31%
AAA14.62%
BB1.95%
BBB13.23%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Punjab and Sind Bank
Debentures | -
7%₹50 Cr5,000,000
U.P. Power Corporation Limited
Debentures | -
6%₹44 Cr4,500,000
Business Broadcast News Holdings Limited
Debentures | -
6%₹44 Cr4,900,000
Hansdeep Industries & Trading Company Limited
Debentures | -
6%₹40 Cr4,020,000
Green Infra Wind Energy Limited
Debentures | -
6%₹40 Cr4,000,000
↓ -1,000,000
NIRCHEM Cement Limited
Debentures | -
6%₹40 Cr4,000,000
Tata Housing Development Company Limited
Debentures | -
5%₹35 Cr3,570,000
Oriental Hotels Limited
Debentures | -
5%₹34 Cr2,350,000
Reliance Mediaworks Limited
Debentures | -
4%₹30 Cr3,420,000
SBI Cards & Payment Services Private Limited
Debentures | -
4%₹29 Cr3,000,000

Smart Tips to Look for in Debt Funds

1. Yield

The yield is a measure of the interest income generated by the Bonds in the portfolio.

For instance, let's assume that a bond has a Face Value of INR 100 with an 8 percent coupon rate. This means that the investor will earn INR 8 p.a., on each bond that he invests in. As the bonds are traded in the open market, the price will fluctuate each business day. The interest rates rise and fall and demand for the bonds moves up and down. And this impacts the price of the bond. Let’s assume interest rates rise to 10 percent. Even then the investor will continue to earn INR 8. So to increase the yield to 10 percent, which is the current market rate of interest, the price of the bond will have to drop to INR 80.

In another instance, lets assume that the interest rates fall to 6 percent. Again, the investor will continue to earn INR 8. This time the price of the bond will have to go up to INR 133.

If we look at these assumptions, there are two aspects to it- the one is that the yield is not fixed, but fluctuates to changes in the interest rate. The second one is the price of the bond moves inversely to interest rates. It moves to maintain a level where it will attract buyers.

2. Yield to Maturity

The yield to maturity(ytm) of a debt mutual fund indicates the running yield of the fund. When comparing debt funds on the basis of YTM, one should also look at that fact that how is the extra yield being generated. Is this at the cost of as lower portfolio quality? Investing in not so good quality instruments has its own issues. You don't want to end up investing in a Debt fund which has such bonds or securities that may default later on. So, always look at the portfolio yield and balance it off with the credit quality.

3. Modified Duration

Modified duration provides a fair indication of a bond’s sensitivity to a change in interest rates. The higher the duration, the more volatility the bond exhibits with a change in interest rates

4. Credit Quality of Portfolio

In order to invest in Best Debt Funds, checking the credit quality of the bonds and debt securities is an essential parameter. Bonds are assigned a credit rating by various agencies based on their ability to pay the money back. A bond with AAA rating is considered to be the best credit rating and also implies a safe and secure investment. If one truly wants safety and considers this as the paramount parameter in selecting the best debt fund, then getting into a fund with very high-quality debt instruments (AAA or AA+) may be the desired option.

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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