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Fincash » Mutual Funds » Best Debt Lumpsum Investments

6 Best Debt Mutual Funds for Lump sum Investments 2020

Updated on January 26, 2020 , 3718 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 (%)2018 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
UTI Credit Risk Fund Growth ₹13.9406
↑ 0.00
₹1,447 5,000 -10.6-15.1-15.7-1.8-4.815.85%9M 29D1Y 2M 6D
Nippon India Credit Risk Fund Growth ₹25.7825
↑ 0.01
₹5,283 500 0.41.71.44.71.913.75%1Y 6M 7D2Y 6M 22D
Franklin India Credit Risk Fund Growth ₹19.1685
↑ 0.03
₹5,899 5,000 -3.4-2.7-0.85.1412.64%1Y 11M 1D2Y 9M 7D
Franklin India Low Duration Fund Growth ₹20.9924
↑ 0.02
₹4,627 10,000 -6.5-5.1-1.94.95.212.34%11M 12D1Y 2M 26D
Aditya Birla Sun Life Credit Risk Fund Growth ₹13.8882
↑ 0.00
₹5,362 1,000 -1.1-0.32.55.52.111.2%1Y 6M 22D1Y 11M 26D
Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹27.0577
↑ 0.01
₹16,894 10,000 -2.104.77.29.610.37%5M 19D7M 2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jan 20
*List of Debt Mutual Funds having net assets > 500 Crore and Fund have assets under manegement for atleast 3 years.

1. 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 4.7% since its launch.  Ranked 20 in Credit Risk category.  Return for 2019 was -4.8% , 2018 was 5.5% and 2017 was 6.9% .

Below is the key information for UTI Credit Risk Fund

UTI Credit Risk Fund
Growth
Launch Date 19 Nov 12
NAV (28 Jan 20) ₹13.9406 ↑ 0.00   (0.00 %)
Net Assets (Cr) ₹1,447 on 31 Dec 19
Category Debt - Credit Risk
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 1.7
Sharpe Ratio -1.23
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 15.85%
Effective Maturity 1 Year 2 Months 6 Days
Modified Duration 9 Months 29 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,886
31 Dec 16₹12,008
31 Dec 17₹12,836
31 Dec 18₹13,539
31 Dec 19₹12,891

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 ₹188,454.
Net Profit of ₹8,454
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 28 Jan 20

DurationReturns
1 Month -10.8%
3 Month -10.6%
6 Month -15.1%
1 Year -15.7%
3 Year -1.8%
5 Year 2.6%
10 Year
15 Year
Since launch 4.7%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -4.8%
2017 5.5%
2016 6.9%
2015 10.3%
2014 8.9%
2013 11.5%
2012 7.7%
2011
2010
2009
Fund Manager information for UTI Credit Risk Fund
NameSinceTenure
Ritesh Nambiar9 Nov 127.15 Yr.

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

Asset Allocation
Asset ClassValue
Cash0.06%
Debt83.13%
Other16.8%
Debt Sector Allocation
SectorValue
Corporate88.89%
Cash Equivalent10.1%
Government1.01%
Credit Quality
RatingValue
A13.75%
AA62.01%
BBB24.24%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
17%₹268 Cr00
Vodafone Mobile Services Limited
Debentures | -
8%₹134 Cr1,500
DMI FINANCE PRIVATE LIMITED
Debentures | -
6%₹100 Cr1,000
Indostar Capital Finance Limited
Debentures | -
6%₹97 Cr100
Essar Oil Limited
Debentures | -
6%₹96 Cr95
Yes Bank Limited
Debentures | -
4%₹71 Cr950
AMBA River Coke Limited
Debentures | -
4%₹70 Cr701
Edelweiss Retail Finance Limited
Debentures | -
4%₹69 Cr750,000
Idea Cellular Limited
Debentures | -
4%₹64 Cr950
ZEE Learn Limited
Debentures | -
4%₹62 Cr600

2. 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 6.7% 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 (28 Jan 20) ₹25.7825 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹5,283 on 31 Dec 19
Category Debt - Credit Risk
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 1.82
Sharpe Ratio -0.39
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 13.75%
Effective Maturity 2 Years 6 Months 22 Days
Modified Duration 1 Year 6 Months 7 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,878
31 Dec 16₹11,967
31 Dec 17₹12,808
31 Dec 18₹13,585
31 Dec 19₹13,848

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 ₹200,132.
Net Profit of ₹20,132
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 28 Jan 20

DurationReturns
1 Month 0.3%
3 Month 0.4%
6 Month 1.7%
1 Year 1.4%
3 Year 4.7%
5 Year 6.6%
10 Year
15 Year
Since launch 6.7%
Historical performance (Yearly) on absolute basis
YearReturns
2018 1.9%
2017 6.1%
2016 7%
2015 10%
2014 8.8%
2013 11%
2012 8%
2011 9.6%
2010 8.4%
2009 4.7%
Fund Manager information for Nippon India Credit Risk Fund
NameSinceTenure
Prashant Pimple9 Oct 0910.23 Yr.
Kinjal Desai25 May 181.6 Yr.

Data below for Nippon India Credit Risk Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash10%
Debt90%
Other0%
Debt Sector Allocation
SectorValue
Corporate94.39%
Cash Equivalent5.61%
Credit Quality
RatingValue
A36.39%
AA22.12%
AAA0.01%
BBB26.35%
Below B1.02%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
RMZ Buildcon Private Limited
Debentures | -
13%₹702 Cr10,100
Yes Bank Limited
Debentures | -
9%₹480 Cr6,500
MARIPOSA AGRI VENTURES AND HOSPITALITIES PRIVATE LIMITED
Debentures | -
6%₹350 Cr3,000
Vineha Enterprises Private Limited
Debentures | -
5%₹281 Cr22,500
Renew Wind Energy (Rajasthan One) Private Limited
Debentures | -
5%₹275 Cr3,060
Indiabulls Housing Finance Limited
Debentures | -
4%₹235 Cr2,960
Sugee Builders Private Limited
Debentures | -
4%₹230 Cr201
Aqua Space Developers Pvt. Ltd.
Debentures | -
4%₹215 Cr2,150
Piramal Enterprises Limited
Debentures | -
4%₹206 Cr2,096
INDIAN RECEIVABLE TRUST 19 FEB - 2019
Unlisted bonds | -
3%₹183 Cr2,112

3. 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 8.3% since its launch.  Ranked 16 in Credit Risk category.  Return for 2019 was 4% , 2018 was 8.4% and 2017 was 8.3% .

Below is the key information for Franklin India Credit Risk Fund

Franklin India Credit Risk Fund
Growth
Launch Date 30 Nov 11
NAV (28 Jan 20) ₹19.1685 ↑ 0.03   (0.15 %)
Net Assets (Cr) ₹5,899 on 31 Dec 19
Category Debt - Credit Risk
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 1.75
Sharpe Ratio 0.27
Information Ratio 0
Alpha Ratio 0
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 12.64%
Effective Maturity 2 Years 9 Months 7 Days
Modified Duration 1 Year 11 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,929
31 Dec 16₹11,881
31 Dec 17₹12,864
31 Dec 18₹13,951
31 Dec 19₹14,507

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 ₹200,132.
Net Profit of ₹20,132
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 28 Jan 20

DurationReturns
1 Month -3.8%
3 Month -3.4%
6 Month -2.7%
1 Year -0.8%
3 Year 5.1%
5 Year 6.6%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
2018 4%
2017 8.4%
2016 8.3%
2015 8.7%
2014 9.3%
2013 11.9%
2012 8.6%
2011 11%
2010
2009
Fund Manager information for Franklin India Credit Risk Fund
NameSinceTenure
Santosh Kamath15 Apr 145.63 Yr.
Kunal Agrawal25 Oct 181.1 Yr.

Data below for Franklin India Credit Risk Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash0.97%
Debt96.99%
Other2.04%
Debt Sector Allocation
SectorValue
Corporate96.76%
Cash Equivalent0.52%
Government0.18%
Credit Quality
RatingValue
A37.98%
AA43.59%
AAA6.97%
BB1.62%
BBB6.51%
Below B1.29%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SHRIRAM TRANSPORT FINANCE COMPANY LIMITED
Debentures | -
6%₹365 Cr3,930
ADANI RAIL INFRA PRIVATE LIMITED
Debentures | -
6%₹348 Cr300
Idea Cellular Limited
Debentures | -
4%₹256 Cr3,370
Rishanth Wholesale Trading Private Ltd.
Debentures | -
4%₹231 Cr230
Piramal Enterprises Limited
Debentures | -
4%₹230 Cr2,300
Andhra Pradesh Capital Region Development Authority
Debentures | -
3%₹197 Cr10,140
PIRAMAL CAPITAL & HOUSING FINANCE LIMITED
Debentures | -
3%₹162 Cr2,125
AADARSHINI REAL ESTATE DEVELOPERS PRIVATE LIMITED
Debentures | -
3%₹151 Cr30
Call, Cash & Other Assets
Receivables | -
3%₹150 Cr
Yes Bank Limited
Debentures | -
2%₹136 Cr1,695

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 8.1% 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 (28 Jan 20) ₹20.9924 ↑ 0.02   (0.08 %)
Net Assets (Cr) ₹4,627 on 31 Dec 19
Category Debt - Low Duration
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 0.78
Sharpe Ratio 0.79
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 12.34%
Effective Maturity 1 Year 2 Months 26 Days
Modified Duration 11 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,984
31 Dec 16₹12,045
31 Dec 17₹13,046
31 Dec 18₹14,148
31 Dec 19₹14,881

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

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 28 Jan 20

DurationReturns
1 Month -5.8%
3 Month -6.5%
6 Month -5.1%
1 Year -1.9%
3 Year 4.9%
5 Year 6.8%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
2018 5.2%
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
Fund Manager information for Franklin India Low Duration Fund
NameSinceTenure
Santosh Kamath15 Apr 145.72 Yr.
Kunal Agrawal15 Apr 145.72 Yr.

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

Asset Allocation
Asset ClassValue
Cash18.12%
Debt83.07%
Debt Sector Allocation
SectorValue
Corporate97.44%
Government1.97%
Cash Equivalent0.49%
Credit Quality
RatingValue
A37.1%
AA33.05%
AAA18.54%
BB4.9%
BBB5.52%
Below B0.89%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Greenko Clean Energy Projects Private Limited
Debentures | -
6%₹302 Cr30,000
Small Business Fincredit India Private Limited
Debentures | -
5%₹247 Cr2,500
Renew Power Ventures Private Limited
Debentures | -
4%₹217 Cr2,170
PIRAMAL CAPITAL & HOUSING FINANCE LIMITED
Debentures | -
4%₹200 Cr2,500
Tata Realty And Infrastructure Limited
Commercial Paper | -
4%₹200 Cr4,300
↑ 4,300
ESS KAY FINCORP LIMITED
Debentures | -
4%₹196 Cr2,000
Tata Projects Limited
Commercial Paper | -
4%₹192 Cr4,000
Vodafone Mobile Services Limited
Debentures | -
3%₹175 Cr1,970
Essel Infraprojects Limited
Debentures | -
3%₹155 Cr110
ReNew Solar Power Private Limited
Debentures | -
3%₹154 Cr1,498
↑ 1,498

5. 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 7.1% 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 (28 Jan 20) ₹13.8882 ↑ 0.00   (0.03 %)
Net Assets (Cr) ₹5,362 on 31 Dec 19
Category Debt - Credit Risk
AMC Birla Sun Life Asset Management Co Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 1.72
Sharpe Ratio -0.35
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load 0-365 Days (1%),365 Days and above(NIL)
Yield to Maturity 11.2%
Effective Maturity 1 Year 11 Months 26 Days
Modified Duration 1 Year 6 Months 22 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
31 Dec 19₹13,740

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 ₹197,169.
Net Profit of ₹17,169
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 28 Jan 20

DurationReturns
1 Month 0.9%
3 Month -1.1%
6 Month -0.3%
1 Year 2.5%
3 Year 5.5%
5 Year
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2018 2.1%
2017 6.6%
2016 8.1%
2015 10.3%
2014
2013
2012
2011
2010
2009
Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
NameSinceTenure
Maneesh Dangi17 Apr 154.54 Yr.
Sunaina Cunha1 Apr 172.58 Yr.

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

Asset Allocation
Asset ClassValue
Cash14.63%
Equity0.1%
Debt85.28%
Debt Sector Allocation
SectorValue
Corporate60.06%
Government21.84%
Cash Equivalent14.26%
Securitized3.75%
Credit Quality
RatingValue
A14.47%
AA28.01%
AAA53.85%
BBB1.84%
Below B1.84%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SP Imperial Star Private Limited
Unlisted bonds | -
5%₹254 Cr185
Air India Assets Holding Limited
Debentures | -
3%₹176 Cr1,750
L & T Vadodara Bharuch Tollway Limited
Debentures | -
3%₹170 Cr170,850
Clearing Corporation Of India Limited
CBLO | -
3%₹166 Cr
ONGC Petro Additions Limited
Debentures | -
3%₹150 Cr150
Power Finance Corporation Ltd.
Debentures | -
3%₹149 Cr1,450
JM Financial Products Limited
Debentures | -
3%₹147 Cr1,500
ASIRVAD MICRO FINANCE LIMITED
Debentures | -
2%₹134 Cr2,500
State Bank Of India
Debentures | -
2%₹122 Cr1,150
Power Finance Corporation Ltd.
Debentures | -
2%₹100 Cr1,000

6. Franklin India Ultra Short Bond Fund - Super Institutional Plan

To provide a combination of regular income and high liquidity by investing primarily in a mix of short term debt and money market instruments.

Franklin India Ultra Short Bond Fund - Super Institutional Plan is a Debt - Ultrashort Bond fund was launched on 18 Dec 07. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.6% since its launch.  Return for 2019 was 9.6% , 2018 was 8.7% and 2017 was 8.2% .

Below is the key information for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Franklin India Ultra Short Bond Fund - Super Institutional Plan
Growth
Launch Date 18 Dec 07
NAV (28 Jan 20) ₹27.0577 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹16,894 on 31 Dec 19
Category Debt - Ultrashort Bond
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 0.42
Sharpe Ratio 12.5
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 10.37%
Effective Maturity 7 Months 2 Days
Modified Duration 5 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,974
31 Dec 16₹12,036
31 Dec 17₹13,025
31 Dec 18₹14,162
31 Dec 19₹15,515

Franklin India Ultra Short Bond Fund - Super Institutional Plan 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 Ultra Short Bond Fund - Super Institutional Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 20

DurationReturns
1 Month -3.6%
3 Month -2.1%
6 Month 0%
1 Year 4.7%
3 Year 7.2%
5 Year 8.2%
10 Year
15 Year
Since launch 8.6%
Historical performance (Yearly) on absolute basis
YearReturns
2018 9.6%
2017 8.7%
2016 8.2%
2015 9.7%
2014 9.7%
2013 10%
2012 10%
2011 10.3%
2010 9.4%
2009 5.9%
Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan
NameSinceTenure
Santosh Kamath25 Oct 181.18 Yr.
Pallab Roy1 Jun 0811.59 Yr.

Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash6.25%
Debt81.43%
Other12.32%
Debt Sector Allocation
SectorValue
Corporate82.3%
Cash Equivalent4.2%
Government1.18%
Credit Quality
RatingValue
A27.93%
AA61.79%
AAA5.75%
BBB4.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Call, Cash & Other Assets
Receivables | -
12%₹2,081 Cr
Vedanta Limited
Debentures | -
5%₹795 Cr7,900
Vodafone Mobile Services Limited
Debentures | -
4%₹722 Cr7,990
Renew Power Ventures Private Limited
Debentures | -
4%₹674 Cr6,740
Bharti Airtel Limited
Debentures | -
3%₹545 Cr5,500
JM FINANCIAL CREDIT SOLUTIONS LIMITED
Debentures | -
3%₹540 Cr5,400
Indostar Capital Finance Limited
Debentures | -
3%₹440 Cr4,400
Bharti Airtel Limited
Debentures | -
2%₹399 Cr4,000
INDOSTAR CAPITAL FINANCE LIMITED
Debentures | -
2%₹390 Cr3,900
↑ 3,900
NIRCHEM Cement Limited
Debentures | -
2%₹377 Cr3,750

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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