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Fincash » Mutual Funds » Best Debt Lumpsum Investments

6 Best Debt Mutual Funds for Lump sum Investments 2019

Updated on March 17, 2019 , 914 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 ₹13.1663
↑ 0.00
₹799 5,000 1.4-2.7-0.86.4-0.314.14%1Y 8M 5D2Y 8M 16D
Aditya Birla Sun Life Credit Risk Fund Growth ₹13.6127
↓ 0.00
₹7,318 1,000 1.13.25.986.612.03%1Y 5M 23D1Y 11M 1D
Reliance Credit Risk Fund Growth ₹25.6949
↓ -0.01
₹9,628 500 2.24.26.67.76.111.29%1Y 8M 5D2Y 3M 14D
Franklin India Credit Risk Fund Growth ₹19.4722
↓ -0.03
₹7,157 5,000 2.25.48.49.18.411.14%2Y 7D2Y 10M 11D
ICICI Prudential Regular Savings Fund Growth ₹19.7597
↓ 0.00
₹11,534 10,000 1.84.16.986.610.5%1Y 2M 12D1Y 5M 19D
Baroda Pioneer Treasury Advantage Fund Growth ₹2,163.36
↓ -0.03
₹743 5,000 1.73.56.87.8710.46%9M 7D11M 20D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Mar 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% 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 (19 Mar 19) ₹13.1663 ↑ 0.00   (0.00 %)
Net Assets (Cr) ₹799 on 28 Feb 19
Category Debt - Credit Risk
AMC BOI AXA Investment Mngrs Private Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 2.17
Sharpe Ratio -0.55
Information Ratio -0.28
Alpha Ratio -5.94
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 14.14%
Effective Maturity 2 Years 8 Months 16 Days
Modified Duration 1 Year 8 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 15₹10,000
29 Feb 16₹10,864
28 Feb 17₹12,165
28 Feb 18₹13,172
28 Feb 19₹13,116

BOI AXA 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 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 19 Mar 19

DurationReturns
1 Month 0%
3 Month 1.4%
6 Month -2.7%
1 Year -0.8%
3 Year 6.4%
5 Year
10 Year
15 Year
Since launch 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 153.93 Yr.

Data below for BOI AXA Credit Risk Fund as on 28 Feb 19

Asset Allocation
Asset ClassValue
Debt102.47%
Debt Sector Allocation
SectorValue
Corporate102.47%
Credit Quality
RatingValue
A41.85%
AA15.08%
BBB14.7%
Below B3.88%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Karuna Healthcare Private Limited
Debentures | -
14%₹113 Cr10,230,000
↓ -3,000,000
SINTEX-BAPL Limited
Debentures | -
13%₹107 Cr1,000,000,000
Coffee Day Natural Resources Private Limited
Debentures | -
12%₹96 Cr8,600,000
DRSR Logistics Services Private Limited
Debentures | -
8%₹64 Cr5,070,000
Dewan Housing Finance Corporation Limited
Debentures | -
7%₹56 Cr5,700,000
RKV Enterprises Private Limited
Debentures | -
6%₹45 Cr4,000,000
Dewan Housing Finance Corporation Limited
Debentures | -
5%₹44 Cr4,450,000
Marck Remedies Private Limited
Debentures | -
5%₹42 Cr366,700,000
Accelarating Education And Development Private Limited
Debentures | -
5%₹38 Cr400,000,000
Accelarating Education And Development Private Limited
Debentures | -
5%₹38 Cr400,000,000

2. 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 8.2% 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 (19 Mar 19) ₹13.6127 ↓ 0.00   (-0.03 %)
Net Assets (Cr) ₹7,318 on 28 Feb 19
Category Debt - Credit Risk
AMC Birla Sun Life Asset Management Co Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 2
Sharpe Ratio 1.24
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 12.03%
Effective Maturity 1 Year 11 Months 1 Day
Modified Duration 1 Year 5 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
29 Feb 16₹10,697
28 Feb 17₹11,808
28 Feb 18₹12,720
28 Feb 19₹13,473

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 ₹206,148.
Net Profit of ₹26,148
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 19 Mar 19

DurationReturns
1 Month 0.8%
3 Month 1.1%
6 Month 3.2%
1 Year 5.9%
3 Year 8%
5 Year
10 Year
15 Year
Since launch 8.2%
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 153.8 Yr.
Sunaina Cunha1 Apr 171.84 Yr.

Data below for Aditya Birla Sun Life Credit Risk Fund as on 28 Feb 19

Asset Allocation
Asset ClassValue
Cash14.84%
Equity0.09%
Debt85.08%
Debt Sector Allocation
SectorValue
Corporate74.38%
Cash Equivalent13.13%
Government7.32%
Securitized5.08%
Credit Quality
RatingValue
A24.55%
AA32.62%
AAA27.9%
B0.12%
BBB6.33%
Below B2.03%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Sprit Textiles Private Limited
Debentures | -
6%₹417 Cr2,785
Clearing Corporation Of India Limited
CBLO | -
4%₹317 Cr
Vedanta Limited
Debentures | -
4%₹298 Cr3,000
Adilink Infra & Multitrading Private Limited
Debentures | -
4%₹293 Cr2,650
SPANDANA SPHOORTY FINANCIAL LIMITED
Debentures | -
3%₹243 Cr3,200
↓ -675
SP Imperial Star Private Limited
Unlisted bonds | -
3%₹238 Cr185
STATE BANK OF INDIA
Debentures | -
3%₹189 Cr1,888
↓ -100
Net Receivables / (Payables)
Net Current Assets | -
2%₹171 Cr
L & T Vadodara Bharuch Tollway Limited
Debentures | -
2%₹167 Cr170,850
Tata Motors Finance Limited
Debentures | -
2%₹158 Cr1,330

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 7.1% 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 (19 Mar 19) ₹25.6949 ↓ -0.01   (-0.04 %)
Net Assets (Cr) ₹9,628 on 28 Feb 19
Category Debt - Credit Risk
AMC Reliance Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 2.13
Sharpe Ratio 2.02
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 11.29%
Effective Maturity 2 Years 3 Months 14 Days
Modified Duration 1 Year 8 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 14₹10,000
28 Feb 15₹11,136
29 Feb 16₹12,042
28 Feb 17₹13,290
28 Feb 18₹14,117
28 Feb 19₹15,054

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 ₹206,148.
Net Profit of ₹26,148
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 19 Mar 19

DurationReturns
1 Month 0.8%
3 Month 2.2%
6 Month 4.2%
1 Year 6.6%
3 Year 7.7%
5 Year 8.6%
10 Year
15 Year
Since launch 7.1%
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 099.32 Yr.
Kinjal Desai25 May 180.69 Yr.

Data below for Reliance Credit Risk Fund as on 28 Feb 19

Asset Allocation
Asset ClassValue
Cash4.64%
Debt95.36%
Other0%
Debt Sector Allocation
SectorValue
Corporate87.48%
Securitized6.49%
Cash Equivalent4.64%
Government1.39%
Credit Quality
RatingValue
A37.19%
AA41.34%
AAA6.45%
BBB8.58%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
RMZ Buildcon Private Limited
Debentures | -
8%₹802 Cr10,100
Yes Bank Limited
Debentures | -
6%₹592 Cr6,500
Vodafone Mobile Services Limited
Debentures | -
4%₹397 Cr4,000
Renew Power Ventures Private Limited
Debentures | -
3%₹331 Cr3,300
MARIPOSA AGRI VENTURES AND HOSPITALITIES PRIVATE LIMITED
Debentures | -
3%₹317 Cr3,000
Indiabulls Housing Finance Limited
Debentures | -
3%₹296 Cr3,000
Nirma Limited
Debentures | -
3%₹292 Cr3,000
Renew Wind Energy (Rajasthan One) Private Limited
Debentures | -
3%₹288 Cr3,060
Aqua Space Developers Pvt. Ltd.
Debentures | -
3%₹250 Cr2,500
Vineha Enterprises Private Limited
Debentures | -
3%₹250 Cr22,500

4. Franklin India Credit Risk Fund

(Erstwhile Franklin India Corporate Bond Opportunities Fund)

The Fund seeks to provide regular income and capital appreciation through a focus on corporate securities.

Franklin India Credit Risk Fund is a Debt - Credit Risk fund was launched on 30 Nov 11. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9.6% since its launch.  Ranked 16 in Credit Risk category.  Return for 2018 was 8.4% , 2017 was 8.3% and 2016 was 8.7% .

Below is the key information for Franklin India Credit Risk Fund

Franklin India Credit Risk Fund
Growth
Launch Date 30 Nov 11
NAV (19 Mar 19) ₹19.4722 ↓ -0.03   (-0.13 %)
Net Assets (Cr) ₹7,157 on 28 Feb 19
Category Debt - Credit Risk
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 1.83
Sharpe Ratio 2.46
Information Ratio 1.8
Alpha Ratio 0.54
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (3%),12-24 Months (2%),24-36 Months (1%),36 Months and above(NIL)
Yield to Maturity 11.14%
Effective Maturity 2 Years 10 Months 11 Days
Modified Duration 2 Years 7 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 14₹10,000
28 Feb 15₹11,248
29 Feb 16₹12,022
28 Feb 17₹13,350
28 Feb 18₹14,334
28 Feb 19₹15,552

Franklin India 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 ₹209,201.
Net Profit of ₹29,201
Invest Now

Returns for Franklin India 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 19 Mar 19

DurationReturns
1 Month 0.8%
3 Month 2.2%
6 Month 5.4%
1 Year 8.4%
3 Year 9.1%
5 Year 9.2%
10 Year
15 Year
Since launch 9.6%
Historical performance (Yearly) on absolute basis
YearReturns
2018 8.4%
2017 8.3%
2016 8.7%
2015 9.3%
2014 11.9%
2013 8.6%
2012 11%
2011
2010
2009
Fund Manager information for Franklin India Credit Risk Fund
NameSinceTenure
Santosh Kamath15 Apr 144.88 Yr.
Kunal Agrawal25 Oct 180.35 Yr.

Data below for Franklin India Credit Risk Fund as on 28 Feb 19

Asset Allocation
Asset ClassValue
Cash0.89%
Debt97.19%
Other1.92%
Debt Sector Allocation
SectorValue
Corporate96.85%
Cash Equivalent0.89%
Government0.34%
Credit Quality
RatingValue
A55.52%
AA43.28%
AAA1.19%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
DOLVI Minerals & Metals Private Limited
Debentures | -
6%₹465 Cr2,750
SHRIRAM TRANSPORT FINANCE COMPANY LIMITED
Debentures | -
5%₹386 Cr3,930
Idea Cellular Limited
Debentures | -
5%₹332 Cr3,370
ADANI RAIL INFRA PRIVATE LIMITED
Debentures | -
4%₹314 Cr300
Renew Power Ventures Private Limited
Debentures | -
4%₹277 Cr2,795
EDELWEISS COMMODITIES SERVICES LIMITED
Debentures | -
3%₹240 Cr2,400
Rishanth Wholesale Trading Private Ltd.
Debentures | -
3%₹231 Cr230
Piramal Enterprises Limited
Debentures | -
3%₹230 Cr2,300
Andhra Pradesh Capital Region Development Authority
Debentures | -
3%₹205 Cr10,165
↓ -60
Vedanta Limited
Debentures | -
3%₹181 Cr1,830

5. 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 8.6% since its launch.  Ranked 26 in Credit Risk category.  Return for 2018 was 6.6% , 2017 was 6.8% and 2016 was 9.5% .

Below is the key information for ICICI Prudential Regular Savings Fund

ICICI Prudential Regular Savings Fund
Growth
Launch Date 3 Dec 10
NAV (19 Mar 19) ₹19.7597 ↓ 0.00   (0.00 %)
Net Assets (Cr) ₹11,534 on 28 Feb 19
Category Debt - Credit Risk
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.83
Sharpe Ratio 2.51
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 10.5%
Effective Maturity 1 Year 5 Months 19 Days
Modified Duration 1 Year 2 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 14₹10,000
28 Feb 15₹11,168
29 Feb 16₹11,959
28 Feb 17₹13,245
28 Feb 18₹14,080
28 Feb 19₹15,040

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 ₹206,148.
Net Profit of ₹26,148
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 19 Mar 19

DurationReturns
1 Month 0.9%
3 Month 1.8%
6 Month 4.1%
1 Year 6.9%
3 Year 8%
5 Year 8.5%
10 Year
15 Year
Since launch 8.6%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.6%
2017 6.8%
2016 9.5%
2015 9%
2014 11%
2013 7.5%
2012 9.4%
2011 8.9%
2010
2009
Fund Manager information for ICICI Prudential Regular Savings Fund
NameSinceTenure
Manish Banthia7 Nov 162.23 Yr.
Akhil Kakkar3 Jun 171.66 Yr.

Data below for ICICI Prudential Regular Savings Fund as on 28 Feb 19

Asset Allocation
Asset ClassValue
Cash10.26%
Debt89.74%
Debt Sector Allocation
SectorValue
Corporate87.13%
Cash Equivalent10.26%
Securitized2.45%
Government0.16%
Credit Quality
RatingValue
A33.78%
AA54.61%
AAA6.4%
BBB1.49%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Limited
Debentures | -
5%₹583 Cr6,000
Treps
CBLO/Reverse Repo | -
4%₹472 Cr
Net Current Assets
Net Current Assets | -
3%₹374 Cr
Indian Hospitals Corporation Limited
Debentures | -
3%₹366 Cr3,800
Aqua Space Developers Pvt. Ltd.
Debentures | -
3%₹300 Cr3,000
Muthoot Finance Limited
Debentures | -
2%₹276 Cr2,870,000
Welspun Renewables Energy Private Limited
Debentures | -
2%₹273 Cr2,850
Jay Properties Private Limited
Debentures | -
2%₹265 Cr2,485
Prestige Estates Projects Limited
Debentures | -
2%₹247 Cr2,500
Aditya Birla Fashion And Retail Limited
Debentures | -
2%₹239 Cr1,900

6. 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 8.3% 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 (19 Mar 19) ₹2,163.36 ↓ -0.03   (0.00 %)
Net Assets (Cr) ₹743 on 28 Feb 19
Category Debt - Low Duration
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating
Risk Moderately Low
Expense Ratio 0.84
Sharpe Ratio 3.6
Information Ratio 0.73
Alpha Ratio -7.19
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 10.46%
Effective Maturity 11 Months 20 Days
Modified Duration 9 Months 7 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 14₹10,000
28 Feb 15₹10,937
29 Feb 16₹11,902
28 Feb 17₹13,038
28 Feb 18₹13,954
28 Feb 19₹14,876

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 ₹206,148.
Net Profit of ₹26,148
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 19 Mar 19

DurationReturns
1 Month 0.9%
3 Month 1.7%
6 Month 3.5%
1 Year 6.8%
3 Year 7.8%
5 Year 8.3%
10 Year
15 Year
Since launch 8.3%
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 099.61 Yr.
Alok Sahoo24 Jun 099.61 Yr.

Data below for Baroda Pioneer Treasury Advantage Fund as on 28 Feb 19

Asset Allocation
Asset ClassValue
Cash18.08%
Debt81.92%
Debt Sector Allocation
SectorValue
Corporate86.52%
Cash Equivalent13.48%
Credit Quality
RatingValue
A4.94%
AA54.36%
AAA40.7%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Indiabulls Housing Finance Limited
Debentures | -
17%₹130 Cr1,300
Piramal Enterprises Limited
Debentures | -
13%₹95 Cr950
ARM INFRA & UTILITIES PRIVATE LIMITED
Debentures | -
11%₹78 Cr750
↑ 750
Dewan Housing Finance Corporation Limited
Debentures | -
10%₹73 Cr750,000
Yes Bank Limited
Debentures | -
6%₹45 Cr495
Cblo
CBLO | -
6%₹44 Cr
Edelweiss Commodities Services Limited
Debentures | -
6%₹44 Cr440
Aspire Home Finance Corporation Limited
Debentures | -
4%₹33 Cr330
Net Receivable / Payable
Net Current Assets | -
4%₹32 Cr
Utkarsh Small Finance Bank Limited
Certificate of Deposit | -
4%₹29 Cr3,000

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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