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Fincash » Mutual Funds » Best Debt Lumpsum Investments

6 Best Debt Mutual Funds for Lump sum Investments 2020

Updated on October 17, 2020 , 11470 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 20 - 21

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 (%)2019 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Nippon India Credit Risk Fund Growth ₹23.6953
↑ 0.02
₹1,333 500 2.53.2-7.50.11.912.66%1Y 4M 6D1Y 9M 4D
Franklin India Low Duration Fund Growth ₹21.7695
↑ 0.02
₹2,468 10,000 2.75.4-2.845.210.67%9M 14D1Y 3M 3D
Kotak Credit Risk Fund Growth ₹22.6747
↑ 0.02
₹1,905 5,000 1.34.26.26.799.16%2Y 1M 10D2Y 11M 5D
Aditya Birla Sun Life Credit Risk Fund Growth ₹14.7989
↑ 0.01
₹1,742 1,000 36.455.52.18.7%2Y 11D2Y 8M 19D
Axis Credit Risk Fund Growth ₹15.7923
↑ 0.01
₹566 5,000 2.14.28.25.74.48.55%1Y 4M 24D2Y 6M
Nippon India Ultra Short Duration Fund Growth ₹2,979.12
↑ 1.60
₹577 100 2.12.55.34.30.97.95%6M 1D9M 26D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Oct 20
*List of Debt Mutual Funds having net assets > 500 Crore and Fund have assets under manegement for atleast 3 years.

1. Nippon India 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.

Nippon India Credit Risk Fund is a Debt - Credit Risk fund was launched on 8 Jun 05. It is a fund with Moderate risk and has given a CAGR/Annualized return of 5.8% since its launch.  Ranked 21 in Credit Risk category.  Return for 2019 was 1.9% , 2018 was 6.1% and 2017 was 7% .

Below is the key information for Nippon India Credit Risk Fund

Nippon India Credit Risk Fund
Growth
Launch Date 8 Jun 05
NAV (19 Oct 20) ₹23.6953 ↑ 0.02   (0.08 %)
Net Assets (Cr) ₹1,333 on 30 Sep 20
Category Debt - Credit Risk
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 1.82
Sharpe Ratio -1.05
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 12.66%
Effective Maturity 1 Year 9 Months 4 Days
Modified Duration 1 Year 4 Months 6 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹10,993
30 Sep 17₹11,875
30 Sep 18₹12,444
30 Sep 19₹12,909
30 Sep 20₹11,859

Nippon 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 ₹191,330.
Net Profit of ₹11,330
Invest Now

Returns for Nippon 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 Oct 20

DurationReturns
1 Month 1.4%
3 Month 2.5%
6 Month 3.2%
1 Year -7.5%
3 Year 0.1%
5 Year 3.5%
10 Year
15 Year
Since launch 5.8%
Historical performance (Yearly) on absolute basis
YearReturns
2019 1.9%
2018 6.1%
2017 7%
2016 10%
2015 8.8%
2014 11%
2013 8%
2012 9.6%
2011 8.4%
2010 4.7%
Fund Manager information for Nippon India Credit Risk Fund
NameSinceTenure
Kinjal Desai25 May 182.35 Yr.
Sushil Budhia1 Feb 200.66 Yr.

Data below for Nippon India Credit Risk Fund as on 30 Sep 20

Asset Allocation
Asset ClassValue
Cash11.05%
Debt88.95%
Debt Sector Allocation
SectorValue
Corporate81.53%
Cash Equivalent9.56%
Securitized8.9%
Credit Quality
RatingValue
A38.67%
AA18.79%
AAA1.64%
Below B0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Vineha Enterprises Private Limited
Debentures | -
24%₹317 Cr22,500
Sanghi Industries Limited
Debentures | -
12%₹164 Cr1,660
Mariposa Agri Ventures and Hospitalities Private Limited
Debentures | -
9%₹117 Cr894
Renew Wind Energy (Rajasthan One) Private Limited
Debentures | -
8%₹110 Cr1,285
Indiabulls Housing Finance Limited
Debentures | -
8%₹105 Cr1,150,000
↓ -200,000
INDIAN RECEIVABLE TRUST 19 FEB - 2019
Unlisted bonds | -
7%₹90 Cr1,330
INNOVATION TRUST XXX
Unlisted bonds | -
6%₹77 Cr187
Mariposa Agri Ventures and Hospitalities Private Limited
Debentures | -
4%₹60 Cr500
INNOVATION TRUST XXX
Unlisted bonds | -
3%₹41 Cr172
↓ -56
Narmada Wind Energy Private Limited
Debentures | -
3%₹36 Cr429
↓ -569

2. 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 7.9% since its launch.  Ranked 3 in Low Duration category.  Return for 2019 was 5.2% , 2018 was 8.4% and 2017 was 8.3% .

Below is the key information for Franklin India Low Duration Fund

Franklin India Low Duration Fund
Growth
Launch Date 26 Jul 10
NAV (19 Oct 20) ₹21.7695 ↑ 0.02   (0.09 %)
Net Assets (Cr) ₹2,468 on 30 Sep 20
Category Debt - Low Duration
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 0.88
Sharpe Ratio -1.08
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load 0-3 Months (0.5%),3 Months and above(NIL)
Yield to Maturity 10.67%
Effective Maturity 1 Year 3 Months 3 Days
Modified Duration 9 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹10,953
30 Sep 17₹11,958
30 Sep 18₹12,795
30 Sep 19₹13,924
30 Sep 20₹13,457

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 ₹200,132.
Net Profit of ₹20,132
Invest Now

Purchase not allowed

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 19 Oct 20

DurationReturns
1 Month 0.8%
3 Month 2.7%
6 Month 5.4%
1 Year -2.8%
3 Year 4%
5 Year 6.1%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
2019 5.2%
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
Fund Manager information for Franklin India Low Duration Fund
NameSinceTenure
Santosh Kamath15 Apr 146.47 Yr.
Kunal Agrawal15 Apr 146.47 Yr.

Data below for Franklin India Low Duration Fund as on 30 Sep 20

Asset Allocation
Asset ClassValue
Cash21.11%
Debt78.89%
Debt Sector Allocation
SectorValue
Corporate78.89%
Cash Equivalent21.11%
Credit Quality
RatingValue
A59.38%
AA39.01%
BBB1.51%
Below B0.1%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Renew Power Ventures Private Limited
Debentures | -
9%₹216 Cr2,170
ESS Kay Fincorp Limited
Debentures | -
8%₹209 Cr2,000
Renew Solar Power Private Limited
Debentures | -
6%₹151 Cr1,498
JM Financial Asset Reconstruction Company Limited
Debentures | -
6%₹148 Cr1,500
JM Financial Asset Reconstruction Company Limited
Debentures | -
5%₹128 Cr1,300
Sterlite Power Grid Ventures Limited
Debentures | -
5%₹121 Cr1,198
↓ -252
Edelweiss Commodities Services Limited
Debentures | -
4%₹99 Cr2,000
Talwandi Sabo Power Limited
Debentures | -
4%₹97 Cr1,000
The Tata Power Company Limited
Debentures | -
3%₹83 Cr780
Clix Capital Services Private Limited
Debentures | -
3%₹65 Cr650

3. 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 8.2% since its launch.  Ranked 18 in Credit Risk category.  Return for 2019 was 9% , 2018 was 6.2% and 2017 was 6.6% .

Below is the key information for Kotak Credit Risk Fund

Kotak Credit Risk Fund
Growth
Launch Date 11 May 10
NAV (19 Oct 20) ₹22.6747 ↑ 0.02   (0.11 %)
Net Assets (Cr) ₹1,905 on 30 Sep 20
Category Debt - Credit Risk
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 1.52
Sharpe Ratio 0.54
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 9.16%
Effective Maturity 2 Years 11 Months 5 Days
Modified Duration 2 Years 1 Month 10 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹11,088
30 Sep 17₹11,910
30 Sep 18₹12,488
30 Sep 19₹13,588
30 Sep 20₹14,569

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 ₹203,125.
Net Profit of ₹23,125
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 19 Oct 20

DurationReturns
1 Month 0%
3 Month 1.3%
6 Month 4.2%
1 Year 6.2%
3 Year 6.7%
5 Year 7.6%
10 Year
15 Year
Since launch 8.2%
Historical performance (Yearly) on absolute basis
YearReturns
2019 9%
2018 6.2%
2017 6.6%
2016 10.4%
2015 9.1%
2014 11.1%
2013 7.3%
2012 9.8%
2011 8.9%
2010
Fund Manager information for Kotak Credit Risk Fund
NameSinceTenure
Deepak Agrawal11 May 1010.4 Yr.

Data below for Kotak Credit Risk Fund as on 30 Sep 20

Asset Allocation
Asset ClassValue
Cash8.2%
Debt91.8%
Debt Sector Allocation
SectorValue
Corporate55.32%
Government36.48%
Cash Equivalent8.2%
Credit Quality
RatingValue
A26.01%
AA38.25%
AAA30.14%
BBB5.61%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Talwandi Sabo Power Limited
Debentures | -
10%₹188 Cr1,938
Punjab & Sind Bank
Debentures | -
7%₹137 Cr1,384
Coastal Gujarat Power Limited
Debentures | -
6%₹107 Cr1,000
Future Lifestyle Fashions Limited
Debentures | -
5%₹99 Cr1,000
U.P. Power Corporation Limited
Debentures | -
5%₹94 Cr940
Andhra Bank
Debentures | -
5%₹90 Cr880
L&T Infrastructure Finance Company Limited
Debentures | -
4%₹83 Cr800
Bahadur Chand Investments Private Limited
Debentures | -
4%₹75 Cr750
Power Finance Corporation Limited
Debentures | -
4%₹67 Cr620
↓ -230
Andhra Bank
Debentures | -
3%₹66 Cr650

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 7.4% since its launch.  Return for 2019 was 2.1% , 2018 was 6.6% and 2017 was 8.1% .

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 Oct 20) ₹14.7989 ↑ 0.01   (0.06 %)
Net Assets (Cr) ₹1,742 on 30 Sep 20
Category Debt - Credit Risk
AMC Birla Sun Life Asset Management Co Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 1.72
Sharpe Ratio -0.28
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 8.7%
Effective Maturity 2 Years 8 Months 19 Days
Modified Duration 2 Years 11 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹11,011
30 Sep 17₹12,057
30 Sep 18₹12,631
30 Sep 19₹13,609
30 Sep 20₹14,041

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 19 Oct 20

DurationReturns
1 Month 1.5%
3 Month 3%
6 Month 6.4%
1 Year 5%
3 Year 5.5%
5 Year 7.1%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2019 2.1%
2018 6.6%
2017 8.1%
2016 10.3%
2015
2014
2013
2012
2011
2010
Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
NameSinceTenure
Sunaina Cunha1 Apr 173.5 Yr.
Mohit Sharma6 Aug 200.15 Yr.

Data below for Aditya Birla Sun Life Credit Risk Fund as on 30 Sep 20

Asset Allocation
Asset ClassValue
Cash8.67%
Equity0.18%
Debt91.15%
Debt Sector Allocation
SectorValue
Corporate69.63%
Government21.52%
Cash Equivalent8.67%
Credit Quality
RatingValue
A19.07%
AA45.71%
AAA31.03%
BBB1.81%
Below B2.38%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
L&T Vadodara Bharuch Tollway Limited
Debentures | -
10%₹170 Cr170,850
Shriram - City Union Finance Limited
Debentures | -
8%₹139 Cr1,400
L&T Infrastructure Finance Company Limited
Debentures | -
5%₹87 Cr850
L&T Infrastructure Finance Company Limited
Debentures | -
4%₹67 Cr650
Indusind Bank Limited
Debentures | -
4%₹63 Cr700
Tata Housing Development Company Limited
Debentures | -
3%₹53 Cr500
Coastal Gujarat Power Limited
Debentures | -
3%₹52 Cr513
Tata Realty and Infrastructure Limited
Debentures | -
3%₹50 Cr500
5.77% GOI 2030
Sovereign Bonds | -
2%₹39 Cr4,000,000
↑ 2,000,000
Syndicate Bank
Debentures | -
2%₹34 Cr330

5. Axis Credit Risk Fund

(Erstwhile Axis Fixed Income Opportunities Fund)

To generate stable returns by investing in debt & money market instruments across the yield curve & credit spectrum. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns

Axis Credit Risk Fund is a Debt - Credit Risk fund was launched on 15 Jul 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.6% since its launch.  Ranked 4 in Credit Risk category.  Return for 2019 was 4.4% , 2018 was 5.9% and 2017 was 6.4% .

Below is the key information for Axis Credit Risk Fund

Axis Credit Risk Fund
Growth
Launch Date 15 Jul 14
NAV (19 Oct 20) ₹15.7923 ↑ 0.01   (0.08 %)
Net Assets (Cr) ₹566 on 30 Sep 20
Category Debt - Credit Risk
AMC Axis Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.78
Sharpe Ratio 1.31
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 8.55%
Effective Maturity 2 Years 6 Months
Modified Duration 1 Year 4 Months 24 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹10,908
30 Sep 17₹11,774
30 Sep 18₹12,261
30 Sep 19₹12,811
30 Sep 20₹13,854

Axis 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 Axis 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 Oct 20

DurationReturns
1 Month 1%
3 Month 2.1%
6 Month 4.2%
1 Year 8.2%
3 Year 5.7%
5 Year 6.8%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2019 4.4%
2018 5.9%
2017 6.4%
2016 9.8%
2015 8.7%
2014
2013
2012
2011
2010
Fund Manager information for Axis Credit Risk Fund
NameSinceTenure
Devang Shah15 Jul 146.22 Yr.
Dhaval Patel4 Sep 200.07 Yr.

Data below for Axis Credit Risk Fund as on 30 Sep 20

Asset Allocation
Asset ClassValue
Cash5.93%
Debt94.07%
Debt Sector Allocation
SectorValue
Corporate87.37%
Securitized6.57%
Cash Equivalent5.93%
Government0.13%
Credit Quality
RatingValue
A8.1%
AA61.19%
AAA30.72%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Essel Mining & Industries Limited
Debentures | -
6%₹35 Cr350
Embassy Office Parks Reit
Debentures | -
6%₹32 Cr270
Bahadur Chand Investments Private Limited
Debentures | -
5%₹30 Cr300
India Grid Trust
Debentures | -
5%₹26 Cr250
MFL SECURITISATION TRUST LXXIX
Unlisted bonds | -
4%₹25 Cr576
Nirma Limited
Debentures | -
4%₹24 Cr250
Narmada Wind Energy Private Limited
Debentures | -
4%₹23 Cr266
Tata Steel Limited
Debentures | -
4%₹21 Cr120
Northern Arc Capital Limited
Debentures | -
4%₹20 Cr200
PVR Limited
Debentures | -
4%₹20 Cr200

6. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash Plan)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a CAGR/Annualized return of 6% since its launch.  Ranked 62 in Ultrashort Bond category.  Return for 2019 was 0.9% , 2018 was 7.3% and 2017 was 5.8% .

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund
Growth
Launch Date 7 Dec 01
NAV (19 Oct 20) ₹2,979.12 ↑ 1.60   (0.05 %)
Net Assets (Cr) ₹577 on 30 Sep 20
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.09
Sharpe Ratio 0.21
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.95%
Effective Maturity 9 Months 26 Days
Modified Duration 6 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹10,712
30 Sep 17₹11,335
30 Sep 18₹12,067
30 Sep 19₹12,209
30 Sep 20₹12,843

Nippon India Ultra Short 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 ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Nippon India Ultra Short 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 19 Oct 20

DurationReturns
1 Month 0.7%
3 Month 2.1%
6 Month 2.5%
1 Year 5.3%
3 Year 4.3%
5 Year 5.2%
10 Year
15 Year
Since launch 6%
Historical performance (Yearly) on absolute basis
YearReturns
2019 0.9%
2018 7.3%
2017 5.8%
2016 6.8%
2015 7.6%
2014 8.4%
2013 8.5%
2012 9.2%
2011 9%
2010 4.5%
Fund Manager information for Nippon India Ultra Short Duration Fund
NameSinceTenure
Vivek Sharma1 Oct 137 Yr.
Kinjal Desai25 May 182.35 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 30 Sep 20

Asset Allocation
Asset ClassValue
Cash49.64%
Debt50.36%
Debt Sector Allocation
SectorValue
Cash Equivalent49.64%
Corporate45.86%
Government4.51%
Credit Quality
RatingValue
A27.71%
AA46.05%
AAA26.25%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 22102020
Sovereign Bonds | -
13%₹75 Cr7,500,000
↑ 7,500,000
U.P. Power Corporation Limited
Debentures | -
11%₹65 Cr650
Vedanta Limited
Debentures | -
10%₹57 Cr600
Piramal Enterprises Limited
Debentures | -
8%₹47 Cr468
↓ -30
Ahmedabad-Maliya Tollway Limited
Debentures | -
7%₹38 Cr380
Asirvad Micro Finance Private Limited
Debentures | -
6%₹34 Cr335
INDIAN RECEIVABLE TRUST 18 FEB 2019
Unlisted bonds | -
5%₹28 Cr900
8.86 %Tamil Nadu SDL 2022
Sovereign Bonds | -
5%₹27 Cr2,500,000
↑ 2,500,000
Indinfravit Trust
Unlisted bonds | -
4%₹25 Cr250
Clix Finance India Private Limited
Debentures | -
3%₹15 Cr150
↓ -150

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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