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Fincash » Mutual Funds » Best Debt Lumpsum Investments

6 Best Debt Mutual Funds for Lump sum Investments 2019

Updated on October 17, 2019 , 2577 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
Aditya Birla Sun Life Credit Risk Fund Growth ₹14.0879
↑ 0.01
₹6,177 1,000 1.136.76.86.613.63%1Y 8M 8D2Y 4M 13D
Reliance Credit Risk Fund Growth ₹25.6224
↑ 0.02
₹7,009 500 0.8-0.73.55.36.112.09%1Y 7M 10D2Y 1M 13D
Franklin India Low Duration Fund Growth ₹22.4178
↑ 0.01
₹6,296 10,000 1.538.18.18.411.16%10M 20D1Y 1M 24D
L&T Credit Risk Fund Growth ₹20.7922
↑ 0.02
₹2,511 10,000 -1.3-1.32.54.95.610.73%1Y 6M 18D2Y 1M 10D
UTI Credit Risk Fund Growth ₹15.5547
↑ 0.01
₹3,526 5,000 -5.4-7.2-3.82.75.510.59%1Y 4M 2D1Y 7M 28D
ICICI Prudential Regular Savings Fund Growth ₹20.8001
↑ 0.01
₹10,918 10,000 2.14.59.17.36.610.29%1Y 5M 1D1Y 9M 11D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Oct 19
*List of Debt Mutual Funds having net assets > 500 Crore and Fund have assets under manegement for atleast 3 years.

1. 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 7.9% 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 Oct 19) ₹14.0879 ↑ 0.01   (0.10 %)
Net Assets (Cr) ₹6,177 on 31 Aug 19
Category Debt - Credit Risk
AMC Birla Sun Life Asset Management Co Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 2
Sharpe Ratio 1.27
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 13.63%
Effective Maturity 2 Years 4 Months 13 Days
Modified Duration 1 Year 8 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,392
30 Sep 16₹11,443
30 Sep 17₹12,530
30 Sep 18₹13,126
30 Sep 19₹14,143

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 ₹200,132.
Net Profit of ₹20,132
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 Oct 19

DurationReturns
1 Month -0.5%
3 Month 1.1%
6 Month 3%
1 Year 6.7%
3 Year 6.8%
5 Year
10 Year
15 Year
Since launch 7.9%
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 154.38 Yr.
Sunaina Cunha1 Apr 172.42 Yr.

Data below for Aditya Birla Sun Life Credit Risk Fund as on 31 Aug 19

Asset Allocation
Asset ClassValue
Cash13.36%
Equity0.1%
Debt86.55%
Debt Sector Allocation
SectorValue
Corporate69.29%
Government14.13%
Cash Equivalent11.31%
Securitized5.18%
Credit Quality
RatingValue
A14.92%
AA28.18%
AAA43.47%
B0.07%
BBB6.38%
Below B1.71%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Sprit Textiles Private Limited
Debentures | -
6%₹394 Cr2,785
Adilink Infra & Multitrading Private Limited
Debentures | -
5%₹314 Cr2,650
SP Imperial Star Private Limited
Unlisted bonds | -
4%₹244 Cr185
Net Receivables / (Payables)
Net Current Assets | -
4%₹220 Cr
ASIRVAD MICRO FINANCE LIMITED
Debentures | -
3%₹188 Cr2,500
SPANDANA SPHOORTY FINANCIAL LIMITED
Debentures | -
3%₹174 Cr3,200
L & T Vadodara Bharuch Tollway Limited
Debentures | -
3%₹169 Cr170,850
Tata Motors Finance Limited
Debentures | -
3%₹167 Cr1,330
ADANI PROPERTIES PRIVATE LIMITED
Debentures | -
3%₹166 Cr150
Clearing Corporation Of India Limited
CBLO | -
3%₹155 Cr

2. 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 (18 Oct 19) ₹25.6224 ↑ 0.02   (0.09 %)
Net Assets (Cr) ₹7,009 on 31 Aug 19
Category Debt - Credit Risk
AMC Reliance Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 2.13
Sharpe Ratio -0.13
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 12.09%
Effective Maturity 2 Years 1 Month 13 Days
Modified Duration 1 Year 7 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 14₹10,000
30 Sep 15₹10,986
30 Sep 16₹12,077
30 Sep 17₹13,046
30 Sep 18₹13,672
30 Sep 19₹14,182

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 18 Oct 19

DurationReturns
1 Month 0.1%
3 Month 0.8%
6 Month -0.7%
1 Year 3.5%
3 Year 5.3%
5 Year 7.1%
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 099.98 Yr.
Kinjal Desai25 May 181.35 Yr.

Data below for Reliance Credit Risk Fund as on 31 Aug 19

Asset Allocation
Asset ClassValue
Cash7.44%
Debt92.56%
Other0%
Debt Sector Allocation
SectorValue
Corporate94.84%
Cash Equivalent5.16%
Credit Quality
RatingValue
A42.35%
AA18.82%
AAA7.35%
BBB20.94%
Below B0.66%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
RMZ Buildcon Private Limited
Debentures | -
11%₹696 Cr10,100
Yes Bank Limited
Debentures | -
8%₹533 Cr6,500
MARIPOSA AGRI VENTURES AND HOSPITALITIES PRIVATE LIMITED
Debentures | -
5%₹340 Cr3,000
Nirma Limited
Debentures | -
4%₹290 Cr3,000
Vineha Enterprises Private Limited
Debentures | -
4%₹272 Cr22,500
Renew Wind Energy (Rajasthan One) Private Limited
Debentures | -
4%₹271 Cr3,060
Indiabulls Housing Finance Limited
Debentures | -
4%₹267 Cr2,960
Sugee Builders Private Limited
Debentures | -
3%₹225 Cr201
Aqua Space Developers Pvt. Ltd.
Debentures | -
3%₹214 Cr2,150
Piramal Enterprises Limited
Debentures | -
3%₹205 Cr2,096
↑ 96

3. 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 9.1% 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 Oct 19) ₹22.4178 ↑ 0.01   (0.04 %)
Net Assets (Cr) ₹6,296 on 31 Aug 19
Category Debt - Low Duration
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 0.78
Sharpe Ratio 3.71
Information Ratio 0.86
Alpha Ratio 0.6
Min Investment 10,000
Min SIP Investment 500
Exit Load 0-3 Months (0.5%),3 Months and above(NIL)
Yield to Maturity 11.16%
Effective Maturity 1 Year 1 Month 24 Days
Modified Duration 10 Months 20 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 14₹10,000
30 Sep 15₹11,018
30 Sep 16₹12,068
30 Sep 17₹13,175
30 Sep 18₹14,098
30 Sep 19₹15,342

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

DurationReturns
1 Month -0.1%
3 Month 1.5%
6 Month 3%
1 Year 8.1%
3 Year 8.1%
5 Year 8.8%
10 Year
15 Year
Since launch 9.1%
Historical performance (Yearly) on absolute basis
YearReturns
2018 8.4%
2017 8.3%
2016 9.7%
2015 9.8%
2014 10.1%
2013 9.5%
2012 10.2%
2011 9.9%
2010
2009
Fund Manager information for Franklin India Low Duration Fund
NameSinceTenure
Santosh Kamath15 Apr 145.38 Yr.
Kunal Agrawal15 Apr 145.38 Yr.

Data below for Franklin India Low Duration Fund as on 31 Aug 19

Asset Allocation
Asset ClassValue
Cash26.41%
Debt76.02%
Debt Sector Allocation
SectorValue
Corporate82.5%
Cash Equivalent14.06%
Government1.44%
Credit Quality
RatingValue
A41.62%
AA28.51%
AAA24.14%
BBB4.43%
Below B1.3%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Greenko Clean Energy Projects Private Limited
Debentures | -
5%₹300 Cr30,000
Small Business Fincredit India Private Limited
Debentures | -
4%₹246 Cr2,500
DOLVI Minerals & Metals Private Limited
Debentures | -
4%₹228 Cr1,260
Renew Power Ventures Private Limited
Debentures | -
4%₹217 Cr2,170
PIRAMAL CAPITAL & HOUSING FINANCE LIMITED
Debentures | -
3%₹200 Cr2,500
ESS KAY FINCORP LIMITED
Debentures | -
3%₹196 Cr2,000
Tata Projects Limited
Commercial Paper | -
3%₹189 Cr4,000
Vodafone Mobile Services Limited
Debentures | -
3%₹183 Cr1,970
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED
Commercial Paper | -
3%₹171 Cr3,500
Essel Infraprojects Limited
Debentures | -
3%₹162 Cr110
↓ -23

4. L&T Credit Risk Fund

(Erstwhile L&T Income Opportunities Fund)

The Scheme seeks to generate regular returns and capital appreciation by investing in debt (including securitised debt), government and money market securities.

L&T Credit Risk Fund is a Debt - Credit Risk fund was launched on 8 Oct 09. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.6% since its launch.  Ranked 12 in Credit Risk category.  Return for 2018 was 5.6% , 2017 was 7.2% and 2016 was 10.1% .

Below is the key information for L&T Credit Risk Fund

L&T Credit Risk Fund
Growth
Launch Date 8 Oct 09
NAV (18 Oct 19) ₹20.7922 ↑ 0.02   (0.08 %)
Net Assets (Cr) ₹2,511 on 31 Aug 19
Category Debt - Credit Risk
AMC L&T Investment Management Ltd
Rating
Risk Moderate
Expense Ratio 1.93
Sharpe Ratio 0.44
Information Ratio -1
Alpha Ratio -7.35
Min Investment 10,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity 10.73%
Effective Maturity 2 Years 1 Month 10 Days
Modified Duration 1 Year 6 Months 18 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 14₹10,000
30 Sep 15₹11,070
30 Sep 16₹12,189
30 Sep 17₹13,191
30 Sep 18₹13,748
30 Sep 19₹14,142

L&T 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 L&T 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 Oct 19

DurationReturns
1 Month 0.7%
3 Month -1.3%
6 Month -1.3%
1 Year 2.5%
3 Year 4.9%
5 Year 7%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2018 5.6%
2017 7.2%
2016 10.1%
2015 9.4%
2014 11.4%
2013 5.8%
2012 9.5%
2011 9.7%
2010 5.8%
2009
Fund Manager information for L&T Credit Risk Fund
NameSinceTenure
Shriram Ramanathan24 Nov 126.85 Yr.
Vikas Garg3 Apr 172.49 Yr.

Data below for L&T Credit Risk Fund as on 31 Aug 19

Asset Allocation
Asset ClassValue
Cash8.56%
Debt88.73%
Other2.71%
Debt Sector Allocation
SectorValue
Corporate79.78%
Government12.2%
Cash Equivalent5.31%
Credit Quality
RatingValue
A32.95%
AA38.21%
AAA27.03%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Green Infra Wind Energy Limited
Debentures | -
7%₹149 Cr1,500
Samasta Microfinance Limited
Debentures | -
7%₹149 Cr1,500
Renew Power Ventures Private Limited
Debentures | -
5%₹118 Cr1,210
Bharat Aluminium Company Limited
Debentures | -
5%₹114 Cr1,150
Syndicate Bank
Debentures | -
5%₹101 Cr987
Vizag General Cargo Berth Private Limited
Debentures | -
4%₹98 Cr1,000
Tata Power Renewable Energy Limited
Debentures | -
4%₹98 Cr1,000
↓ -250
Jhajjar Power Limited
Debentures | -
4%₹90 Cr90
(A) Tri Party Repo Dealing System (Treps)/Reverse Repo
CBLO/Reverse Repo | -
4%₹89 Cr
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Debentures | -
4%₹84 Cr800

5. UTI Credit Risk Fund

(Erstwhile UTI Income Opportunities Fund)

The investment objective of the scheme is to generate reasonable income and capital appreciation by investing in debt and money market instruments across different maturities and credit ratings. There is no assurance that the investment objective of the scheme will be achieved.

UTI Credit Risk Fund is a Debt - Credit Risk fund was launched on 19 Nov 12. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.6% since its launch.  Ranked 20 in Credit Risk category.  Return for 2018 was 5.5% , 2017 was 6.9% and 2016 was 10.3% .

Below is the key information for UTI Credit Risk Fund

UTI Credit Risk Fund
Growth
Launch Date 19 Nov 12
NAV (18 Oct 19) ₹15.5547 ↑ 0.01   (0.04 %)
Net Assets (Cr) ₹3,526 on 31 Aug 19
Category Debt - Credit Risk
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 1.73
Sharpe Ratio -0.42
Information Ratio -1.09
Alpha Ratio -9.67
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 10.59%
Effective Maturity 1 Year 7 Months 28 Days
Modified Duration 1 Year 4 Months 2 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 14₹10,000
30 Sep 15₹11,037
30 Sep 16₹12,115
30 Sep 17₹13,106
30 Sep 18₹13,682
30 Sep 19₹13,201

UTI 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 UTI 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 Oct 19

DurationReturns
1 Month 0.2%
3 Month -5.4%
6 Month -7.2%
1 Year -3.8%
3 Year 2.7%
5 Year 5.6%
10 Year
15 Year
Since launch 6.6%
Historical performance (Yearly) on absolute basis
YearReturns
2018 5.5%
2017 6.9%
2016 10.3%
2015 8.9%
2014 11.5%
2013 7.7%
2012
2011
2010
2009
Fund Manager information for UTI Credit Risk Fund
NameSinceTenure
Ritesh Nambiar9 Nov 126.81 Yr.

Data below for UTI Credit Risk Fund as on 31 Aug 19

Asset Allocation
Asset ClassValue
Cash30.85%
Debt69.15%
Debt Sector Allocation
SectorValue
Corporate71.6%
Cash Equivalent15.85%
Government9.86%
Securitized2.69%
Credit Quality
RatingValue
Below B100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
15%₹403 Cr00
Edelweiss Commodities Services Limited
Debentures | -
7%₹197 Cr2,000
Green Infra Wind Energy Limited
Debentures | -
7%₹179 Cr1,800
↓ -1,000
Vodafone Mobile Services Limited
Debentures | -
5%₹140 Cr1,500
DMI FINANCE PRIVATE LIMITED
Debentures | -
4%₹100 Cr1,000
RELIANCE INDUSTRIES LIMITED
Commercial Paper | -
4%₹98 Cr1,000,000,000
↑ 1,000,000,000
Indostar Capital Finance Limited
Debentures | -
4%₹97 Cr100
Essar Oil Limited
Debentures | -
4%₹95 Cr95
ICICI BANK LIMITED
Certificate of Deposit | -
3%₹94 Cr1,000,000,000
↑ 1,000,000,000
Idea Cellular Limited
Debentures | -
3%₹77 Cr950

6. 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 (18 Oct 19) ₹20.8001 ↑ 0.01   (0.04 %)
Net Assets (Cr) ₹10,918 on 31 Aug 19
Category Debt - Credit Risk
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.83
Sharpe Ratio 3.3
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 10.29%
Effective Maturity 1 Year 9 Months 11 Days
Modified Duration 1 Year 5 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
30 Sep 14₹10,000
30 Sep 15₹11,054
30 Sep 16₹12,055
30 Sep 17₹13,029
30 Sep 18₹13,688
30 Sep 19₹14,924

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 18 Oct 19

DurationReturns
1 Month 0.7%
3 Month 2.1%
6 Month 4.5%
1 Year 9.1%
3 Year 7.3%
5 Year 8.3%
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 162.39 Yr.
Akhil Kakkar3 Jun 171.82 Yr.

Data below for ICICI Prudential Regular Savings Fund as on 31 Aug 19

Asset Allocation
Asset ClassValue
Cash6.39%
Equity0.87%
Debt92.74%
Debt Sector Allocation
SectorValue
Corporate91.23%
Cash Equivalent6.39%
Government1.15%
Securitized0.36%
Credit Quality
RatingValue
A31.56%
AA48.93%
AAA12.2%
BBB3.44%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Limited
Debentures | -
6%₹604 Cr6,000
Nuvoco Vistas Corporation Ltd.
Debentures | -
3%₹350 Cr3,500
↑ 3,500
Welspun Renewables Energy Private Limited
Debentures | -
3%₹327 Cr3,350
PIPELINE INFRASTRUCTURE PRIVATE LIMITED
Debentures | -
3%₹306 Cr3,039
Aqua Space Developers Pvt. Ltd.
Debentures | -
3%₹300 Cr3,000
Treps
CBLO/Reverse Repo | -
3%₹291 Cr
Muthoot Finance Limited
Debentures | -
3%₹281 Cr2,870,000
Jay Properties Private Limited
Debentures | -
2%₹267 Cr2,485
Prestige Estates Projects Limited
Debentures | -
2%₹247 Cr2,500
Net Current Assets
Net Current Assets | -
2%₹220 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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