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Fincash » Mutual Funds » Best Debt Lumpsum Investments

6 Best Debt Mutual Funds for Lump sum Investments 2019

Updated on January 16, 2019 , 278 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 (%)2017 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Credit Risk Fund Growth ₹13.1016
↓ 0.00
₹1,007 5,000 1.8-3.9-0.16.7-0.312.83%1Y 5M 8D2Y 5M 12D
Aditya Birla Sun Life Credit Risk Fund Growth ₹13.5274
↑ 0.00
₹7,940 1,000 2.436.48.36.611.6%1Y 6M 11D2Y 7D
Reliance Credit Risk Fund Growth ₹25.3543
↑ 0.00
₹10,424 500 2.43.56.37.86.110.88%1Y 8M 16D2Y 1M 24D
Franklin India Low Duration Fund Growth ₹21.322
↑ 0.00
₹6,528 10,000 2.84.68.78.98.410.35%9M 24D11M 4D
DHFL Pramerica Credit Risk Fund Growth ₹14.2787
↑ 0.00
₹987 5,000 2.235.37.45.110.34%1Y 5M 1D1Y 10M 24D
Kotak Credit Risk Fund Growth ₹20.0237
↓ 0.00
₹4,959 5,000 2.43.46.47.86.210.29%1Y 6M 25D2Y 11M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Jan 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 7.2% 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 (18 Jan 19) ₹13.1016 ↓ 0.00   (0.00 %)
Net Assets (Cr) ₹1,007 on 30 Nov 18
Category Debt - Credit Risk
AMC BOI AXA Investment Mngrs Private Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 2.17
Sharpe Ratio -0.67
Information Ratio -0.25
Alpha Ratio -4.5
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 12.83%
Effective Maturity 2 Years 5 Months 12 Days
Modified Duration 1 Year 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 15₹10,744
31 Dec 16₹11,949
31 Dec 17₹13,063
31 Dec 18₹13,026

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 18 Jan 19

DurationReturns
1 Month 1%
3 Month 1.8%
6 Month -3.9%
1 Year -0.1%
3 Year 6.7%
5 Year
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2017 -0.3%
2016 9.3%
2015 11.2%
2014
2013
2012
2011
2010
2009
2008
Fund Manager information for BOI AXA Credit Risk Fund
NameSinceTenure
Alok Singh27 Feb 153.68 Yr.

Data below for BOI AXA Credit Risk Fund as on 30 Nov 18

Asset Allocation
Asset ClassValue
Cash11.71%
Debt88.29%
Debt Sector Allocation
SectorValue
Corporate88.29%
Cash Equivalent11.71%
Credit Quality
RatingValue
A24.22%
AA17.57%
AAA16.33%
BBB16.42%
Below B3.86%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Karuna Healthcare Private Limited
Debentures | -
14%₹144 Cr13,230,000
SINTEX-BAPL Limited
Debentures | -
10%₹106 Cr1,000,000,000
Coffee Day Natural Resources Private Limited
Debentures | -
9%₹95 Cr8,600,000
Cblo
CBLO | -
7%₹73 Cr
DRSR Logistics Services Private Limited
Debentures | -
6%₹63 Cr5,070,000
Dewan Housing Finance Corporation Limited
Debentures | -
6%₹56 Cr5,700,000
Ensource Consulting Private Limited
Debentures | -
5%₹52 Cr5,000,000
Dewan Housing Finance Corporation Limited
Debentures | -
4%₹44 Cr4,450,000
RKV Enterprises Private Limited
Debentures | -
4%₹43 Cr4,000,000
Marck Remedies Private Limited
Debentures | -
4%₹43 Cr3,667,000

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 8.4% 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 (18 Jan 19) ₹13.5274 ↑ 0.00   (0.00 %)
Net Assets (Cr) ₹7,940 on 30 Nov 18
Category Debt - Credit Risk
AMC Birla Sun Life Asset Management Co Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 1.97
Sharpe Ratio 1.28
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 11.6%
Effective Maturity 2 Years 7 Days
Modified Duration 1 Year 6 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 15₹10,591
31 Dec 16₹11,681
31 Dec 17₹12,626
31 Dec 18₹13,460

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 18 Jan 19

DurationReturns
1 Month 0.6%
3 Month 2.4%
6 Month 3%
1 Year 6.4%
3 Year 8.3%
5 Year
10 Year
15 Year
Since launch 8.4%
Historical performance (Yearly) on absolute basis
YearReturns
2017 6.6%
2016 8.1%
2015 10.3%
2014
2013
2012
2011
2010
2009
2008
Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
NameSinceTenure
Maneesh Dangi17 Apr 153.54 Yr.
Sunaina Cunha1 Apr 171.58 Yr.

Data below for Aditya Birla Sun Life Credit Risk Fund as on 30 Nov 18

Asset Allocation
Asset ClassValue
Cash9.99%
Equity0.08%
Debt88.19%
Other1.74%
Debt Sector Allocation
SectorValue
Corporate73.32%
Government11.17%
Cash Equivalent9.06%
Securitized4.62%
Credit Quality
RatingValue
A23.82%
AA23.85%
AAA34.73%
B0.1%
BB1.05%
BBB6.53%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Sprit Textiles Private Limited
Debentures | -
6%₹451 Cr2,785
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED
Commercial Paper | -
4%₹347 Cr7,500
↑ 7,500
SPANDANA SPHOORTY FINANCIAL LIMITED
Debentures | -
4%₹295 Cr3,875
Adilink Infra & Multitrading Private Limited
Debentures | -
4%₹289 Cr2,650
SP Imperial Star Private Limited
Unlisted bonds | -
3%₹234 Cr185
STATE BANK OF INDIA
Debentures | -
3%₹202 Cr2,000
↑ 2,000
EMBASSY PROPERTY DEVELOPMENTS PRIVATE LIMITED
Debentures | -
2%₹200 Cr200
↓ -30
L & T Vadodara Bharuch Tollway Limited
Debentures | -
2%₹169 Cr173,350
Adani Infra (India) Limited
Debentures | -
2%₹162 Cr150
Belstar Investment And Finance Private Limited
Debentures | -
2%₹155 Cr2,314

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 (18 Jan 19) ₹25.3543 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹10,424 on 30 Nov 18
Category Debt - Credit Risk
AMC Reliance Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 2.13
Sharpe Ratio 1.18
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 10.88%
Effective Maturity 2 Years 1 Month 24 Days
Modified Duration 1 Year 8 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 13₹10,000
31 Dec 14₹11,097
31 Dec 15₹12,071
31 Dec 16₹13,279
31 Dec 17₹14,213
31 Dec 18₹15,074

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 18 Jan 19

DurationReturns
1 Month 1%
3 Month 2.4%
6 Month 3.5%
1 Year 6.3%
3 Year 7.8%
5 Year 8.5%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2017 6.1%
2016 7%
2015 10%
2014 8.8%
2013 11%
2012 8%
2011 9.6%
2010 8.4%
2009 4.7%
2008 8%
Fund Manager information for Reliance Credit Risk Fund
NameSinceTenure
Prashant Pimple9 Oct 099.07 Yr.
Kinjal Desai25 May 180.44 Yr.

Data below for Reliance Credit Risk Fund as on 30 Nov 18

Asset Allocation
Asset ClassValue
Cash9.05%
Debt90.95%
Other0%
Debt Sector Allocation
SectorValue
Corporate89.2%
Cash Equivalent8.09%
Government2.71%
Credit Quality
RatingValue
A31.27%
AA46.57%
AAA8.25%
BBB7.95%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
RMZ Buildcon Private Limited
Debentures | -
8%₹796 Cr10,100
Yes Bank Limited
Debentures | -
6%₹597 Cr6,500
Vodafone Mobile Services Limited
Debentures | -
4%₹396 Cr4,000
↑ 2,500
Renew Power Ventures Private Limited
Debentures | -
3%₹331 Cr3,300
MARIPOSA AGRI VENTURES AND HOSPITALITIES PRIVATE LIMITED
Debentures | -
3%₹311 Cr3,000
↑ 500
Indiabulls Housing Finance Limited 9.08%
Debentures | -
3%₹293 Cr3,000
↑ 3,000
Nirma Limited
Debentures | -
3%₹293 Cr3,000
Renew Wind Energy (Rajasthan One) Private Limited
Debentures | -
3%₹288 Cr3,060
Net Current Assets
Net Current Assets | -
2%₹253 Cr
Reliance Commercial Finance Limited
Debentures | -
2%₹253 Cr2,530

4. Franklin India Low Duration Fund

To provide regular income to investors through investment primarily in debt funds.

Franklin India Low Duration Fund is a Debt - Low Duration fund was launched on 26 Jul 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9.3% since its launch.  Ranked 3 in Low Duration category.  Return for 2018 was 8.4% , 2017 was 8.3% and 2016 was 9.7% .

Below is the key information for Franklin India Low Duration Fund

Franklin India Low Duration Fund
Growth
Launch Date 26 Jul 10
NAV (18 Jan 19) ₹21.322 ↑ 0.00   (0.02 %)
Net Assets (Cr) ₹6,528 on 30 Nov 18
Category Debt - Low Duration
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 0.78
Sharpe Ratio 4.2
Information Ratio 1.6
Alpha Ratio 2.87
Min Investment 10,000
Min SIP Investment 500
Exit Load 0-3 Months (0.5%),3 Months and above(NIL)
Yield to Maturity 10.35%
Effective Maturity 11 Months 4 Days
Modified Duration 9 Months 24 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 13₹10,000
31 Dec 14₹11,008
31 Dec 15₹12,091
31 Dec 16₹13,260
31 Dec 17₹14,361
31 Dec 18₹15,574

Franklin India Low Duration 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 Low Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Jan 19

DurationReturns
1 Month 1%
3 Month 2.8%
6 Month 4.6%
1 Year 8.7%
3 Year 8.9%
5 Year 9.3%
10 Year
15 Year
Since launch 9.3%
Historical performance (Yearly) on absolute basis
YearReturns
2017 8.4%
2016 8.3%
2015 9.7%
2014 9.8%
2013 10.1%
2012 9.5%
2011 10.2%
2010 9.9%
2009
2008
Fund Manager information for Franklin India Low Duration Fund
NameSinceTenure
Santosh Kamath15 Apr 144.55 Yr.
Kunal Agrawal15 Apr 144.55 Yr.

Data below for Franklin India Low Duration Fund as on 30 Nov 18

Asset Allocation
Asset ClassValue
Cash20.5%
Debt75.98%
Other3.52%
Debt Sector Allocation
SectorValue
Corporate83.67%
Cash Equivalent10.63%
Government2.19%
Credit Quality
RatingValue
A50.12%
AA25.6%
AAA24.28%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Housing Development Finance Corporation Limited
Commercial Paper | -
5%₹316 Cr6,400
GREENKO CLEAN ENERGY PROJECTS PRIVATE LIMITED
Debentures | -
4%₹302 Cr30,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
4%₹249 Cr5,000
Small Business Fincredit India Private Limited
Debentures | -
4%₹243 Cr2,500
↑ 1,800
Call, Cash & Other Assets
Receivables | -
4%₹239 Cr
MA Multi-Trade Private Limited
Debentures | -
3%₹225 Cr2,250
Renew Power Ventures Private Limited
Debentures | -
3%₹217 Cr2,170
Edelweiss Commodities Services Limited
Debentures | -
3%₹216 Cr2,200
Wadhawan Global Capital Private Limited
Debentures | -
3%₹204 Cr1,766
Essel Infraprojects Limited
Debentures | -
3%₹199 Cr133

5. 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 8.6% 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 (18 Jan 19) ₹14.2787 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹987 on 30 Nov 18
Category Debt - Credit Risk
AMC DHFL Pramerica Asset Managers Private Limited
Rating
Risk Moderate
Expense Ratio 1.93
Sharpe Ratio 0.64
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 10.34%
Effective Maturity 1 Year 10 Months 24 Days
Modified Duration 1 Year 5 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,345
31 Dec 15₹11,461
31 Dec 16₹12,606
31 Dec 17₹13,522
31 Dec 18₹14,208

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 ₹203,125.
Net Profit of ₹23,125
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 18 Jan 19

DurationReturns
1 Month 0.8%
3 Month 2.2%
6 Month 3%
1 Year 5.3%
3 Year 7.4%
5 Year
10 Year
15 Year
Since launch 8.6%
Historical performance (Yearly) on absolute basis
YearReturns
2017 5.1%
2016 7.3%
2015 10%
2014 10.8%
2013
2012
2011
2010
2009
2008
Fund Manager information for DHFL Pramerica Credit Risk Fund
NameSinceTenure
Kumaresh Ramakrishnan8 Mar 162.65 Yr.

Data below for DHFL Pramerica Credit Risk Fund as on 30 Nov 18

Asset Allocation
Asset ClassValue
Cash8.73%
Debt85.63%
Other5.65%
Debt Sector Allocation
SectorValue
Corporate74.15%
Government12.71%
Cash Equivalent6.24%
Securitized1.26%
Credit Quality
RatingValue
A21.11%
AA61.35%
AAA17.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Emami Agrotech Limited
Debentures | -
6%₹60 Cr5,640,000
Net Receivables / (Payables)
Receivables | -
6%₹56 Cr
Green Infra Wind Energy Limited
Debentures | -
5%₹50 Cr5,000,000
Punjab and Sind Bank
Debentures | -
5%₹50 Cr5,000,000
Business Broadcast News Holdings Limited
Debentures | -
5%₹48 Cr4,900,000
U.P. Power Corporation Limited
Debentures | -
4%₹44 Cr4,500,000
Hansdeep Industries & Trading Company Limited
Debentures | -
4%₹41 Cr4,020,000
Vijaya Bank
Debentures | -
4%₹40 Cr4,000,000
NIRCHEM Cement Limited
Debentures | -
4%₹39 Cr4,000,000
Steel Authority Of India Limited
Debentures | -
4%₹35 Cr3,530,000

6. Kotak Credit Risk Fund

(Erstwhile Kotak Income Opportunities Fund)

The investment objective of the scheme is to generate income by investing in debt/ and money market securities across the yield curve and credit spectrum. The scheme will also seek to maintain reasonable liquidity within the fund.

Kotak Credit Risk Fund is a Debt - Credit Risk fund was launched on 11 May 10. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.3% since its launch.  Ranked 18 in Credit Risk category.  Return for 2018 was 6.2% , 2017 was 6.6% and 2016 was 10.4% .

Below is the key information for Kotak Credit Risk Fund

Kotak Credit Risk Fund
Growth
Launch Date 11 May 10
NAV (18 Jan 19) ₹20.0237 ↓ 0.00   (-0.02 %)
Net Assets (Cr) ₹4,959 on 30 Nov 18
Category Debt - Credit Risk
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 1.8
Sharpe Ratio 1.47
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity 10.29%
Effective Maturity 2 Years 11 Months 1 Day
Modified Duration 1 Year 6 Months 25 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 13₹10,000
31 Dec 14₹11,113
31 Dec 15₹12,124
31 Dec 16₹13,389
31 Dec 17₹14,267
31 Dec 18₹15,152

Kotak 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 Kotak 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 18 Jan 19

DurationReturns
1 Month 0.8%
3 Month 2.4%
6 Month 3.4%
1 Year 6.4%
3 Year 7.8%
5 Year 8.6%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
2017 6.2%
2016 6.6%
2015 10.4%
2014 9.1%
2013 11.1%
2012 7.3%
2011 9.8%
2010 8.9%
2009
2008
Fund Manager information for Kotak Credit Risk Fund
NameSinceTenure
Deepak Agrawal11 May 108.48 Yr.

Data below for Kotak Credit Risk Fund as on 30 Nov 18

Asset Allocation
Asset ClassValue
Cash11.68%
Debt88.32%
Debt Sector Allocation
SectorValue
Corporate77.65%
Cash Equivalent11.68%
Government10.67%
Credit Quality
RatingValue
A37.92%
AA49.66%
AAA10.68%
BBB0.71%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Karelides Traders Private Limited
Debentures | -
5%₹245 Cr24,500
JSW Techno Projects Management Limited
Debentures | -
4%₹205 Cr2,000
Suhani Trading And Investment Consultants Private Limited
Debentures | -
4%₹198 Cr2,000
Talwandi Sabo Power Limited
Debentures | -
4%₹197 Cr2,000
Aasan Developers & Constructions Private Limited
Debentures | -
4%₹185 Cr1,850
Punjab and Sind Bank
Debentures | -
3%₹139 Cr1,400
Andhra Bank
Debentures | -
3%₹139 Cr1,380
Piramal Housing Finance Limited
Commercial Paper | -
3%₹136 Cr2,900
India Infoline Housing Finance Limited
Debentures | -
2%₹120 Cr1,200
Net Current Assets/(Liabilities)
Net Current Assets | -
2%₹119 Cr

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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