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Fincash » Mutual Funds » Best Debt Lumpsum Investments

6 Best Debt Mutual Funds for Lump sum Investments 2020

Updated on March 25, 2020 , 5190 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 ₹22.8004
↑ 0.40
₹4,628 500 -11.3-11-11.40.31.914.56%1Y 7M 24D2Y 2M 19D
Aditya Birla Sun Life Credit Risk Fund Growth ₹14.0068
↑ 0.27
₹5,115 1,000 1.7-1.12.75.52.111.75%1Y 11M 8D2Y 6M 22D
Franklin India Credit Risk Fund Growth ₹18.6158
↑ 0.37
₹5,481 5,000 -6.5-5.9-4.73.7411.41%1Y 10M 28D2Y 9M 4D
Franklin India Low Duration Fund Growth ₹20.5428
↑ 0.29
₹3,827 10,000 -7.8-8.4-5.33.75.210.55%11M 1D1Y 2M 16D
Baroda Pioneer Credit Risk Fund Growth ₹14.1134
↑ 0.24
₹573 5,000 -1.4-0.6-0.74.12.110.34%1Y 7M 10D1Y 7M 9D
Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹27.4593
↑ 0.24
₹15,040 10,000 -2.10.14.77.39.69.48%5M 23D6M 25D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Mar 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 5.7% 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 (27 Mar 20) ₹22.8004 ↑ 0.40   (1.80 %)
Net Assets (Cr) ₹4,628 on 29 Feb 20
Category Debt - Credit Risk
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 1.82
Sharpe Ratio -0.56
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 14.56%
Effective Maturity 2 Years 2 Months 19 Days
Modified Duration 1 Year 7 Months 24 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 15₹10,000
29 Feb 16₹10,813
28 Feb 17₹11,934
28 Feb 18₹12,677
28 Feb 19₹13,518
29 Feb 20₹13,683

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 27 Mar 20

DurationReturns
1 Month -11.6%
3 Month -11.3%
6 Month -11%
1 Year -11.4%
3 Year 0.3%
5 Year 3.8%
10 Year
15 Year
Since launch 5.7%
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
Prashant Pimple9 Oct 0910.32 Yr.
Kinjal Desai25 May 181.69 Yr.

Data below for Nippon India Credit Risk Fund as on 29 Feb 20

Asset Allocation
Asset ClassValue
Cash10.39%
Debt89.61%
Other0%
Debt Sector Allocation
SectorValue
Corporate82.03%
Cash Equivalent14.77%
Securitized3.2%
Credit Quality
RatingValue
A37.28%
AA18.97%
AAA0.01%
BBB27.57%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
RMZ Buildcon Private Limited
Debentures | -
14%₹677 Cr10,100
Yes Bank Limited
Debentures | -
10%₹468 Cr6,500
MARIPOSA AGRI VENTURES AND HOSPITALITIES PRIVATE LIMITED
Debentures | -
7%₹358 Cr3,000
Vineha Enterprises Private Limited
Debentures | -
6%₹287 Cr22,500
Renew Wind Energy (Rajasthan One) Private Limited
Debentures | -
5%₹271 Cr3,060
Sugee Builders Private Limited
Debentures | -
4%₹203 Cr176
↓ -25
Piramal Enterprises Limited
Debentures | -
4%₹194 Cr1,971
INDIAN RECEIVABLE TRUST 19 FEB - 2019
Unlisted bonds | -
4%₹175 Cr2,112
↑ 2,112
Narmada Wind Energy Private Limited
Debentures | -
3%₹171 Cr1,940
INNOVATION TRUST XXX
Unlisted bonds | -
3%₹151 Cr318
↑ 318

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 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 (27 Mar 20) ₹14.0068 ↑ 0.27   (1.96 %)
Net Assets (Cr) ₹5,115 on 29 Feb 20
Category Debt - Credit Risk
AMC Birla Sun Life Asset Management Co Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 1.72
Sharpe Ratio 0.16
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 11.75%
Effective Maturity 2 Years 6 Months 22 Days
Modified Duration 1 Year 11 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
29 Feb 16₹10,697
28 Feb 17₹11,808
28 Feb 18₹12,720
28 Feb 19₹13,473
29 Feb 20₹13,965

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 27 Mar 20

DurationReturns
1 Month 0%
3 Month 1.7%
6 Month -1.1%
1 Year 2.7%
3 Year 5.5%
5 Year
10 Year
15 Year
Since launch 7.1%
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
Maneesh Dangi17 Apr 154.79 Yr.
Sunaina Cunha1 Apr 172.84 Yr.

Data below for Aditya Birla Sun Life Credit Risk Fund as on 29 Feb 20

Asset Allocation
Asset ClassValue
Cash7.54%
Equity0.08%
Debt92.38%
Debt Sector Allocation
SectorValue
Corporate69.24%
Government20.34%
Cash Equivalent6.74%
Securitized3.58%
Credit Quality
RatingValue
A14.14%
AA28.54%
AAA54.87%
BBB0.82%
Below B1.63%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SP Imperial Star Private Limited
Unlisted bonds | -
5%₹260 Cr185
ADANI PROPERTIES PRIVATE LIMITED
Debentures | -
3%₹175 Cr149
↑ 65
L & T Vadodara Bharuch Tollway Limited
Debentures | -
3%₹170 Cr170,850
ONGC Petro Additions Limited
Debentures | -
3%₹150 Cr150
Tata Housing Development Company Limited
Debentures | -
3%₹150 Cr1,500
↑ 1,500
JSW Energy Limited
Debentures | -
3%₹149 Cr1,490
↑ 490
Tata Realty And Infrastructure Limited
Debentures | -
3%₹149 Cr1,500
↑ 1,500
JM Financial Products Limited
Debentures | -
3%₹147 Cr1,500
Shriram - City Union Finance Limited
Debentures | -
3%₹139 Cr1,400
↑ 1,400
Net Receivables / (Payables)
Net Current Assets | -
3%₹136 Cr

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 7.8% 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 (27 Mar 20) ₹18.6158 ↑ 0.37   (2.03 %)
Net Assets (Cr) ₹5,481 on 29 Feb 20
Category Debt - Credit Risk
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 1.75
Sharpe Ratio -0.6
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 11.41%
Effective Maturity 2 Years 9 Months 4 Days
Modified Duration 1 Year 10 Months 28 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 15₹10,000
29 Feb 16₹10,688
28 Feb 17₹11,869
28 Feb 18₹12,744
28 Feb 19₹13,826
29 Feb 20₹13,850

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 ₹197,169.
Net Profit of ₹17,169
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 27 Mar 20

DurationReturns
1 Month -4%
3 Month -6.5%
6 Month -5.9%
1 Year -4.7%
3 Year 3.7%
5 Year 5.8%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2019 4%
2018 8.4%
2017 8.3%
2016 8.7%
2015 9.3%
2014 11.9%
2013 8.6%
2012 11%
2011
2010
Fund Manager information for Franklin India Credit Risk Fund
NameSinceTenure
Santosh Kamath15 Apr 145.72 Yr.
Kunal Agrawal25 Oct 181.18 Yr.

Data below for Franklin India Credit Risk Fund as on 29 Feb 20

Asset Allocation
Asset ClassValue
Cash3.62%
Debt96.38%
Debt Sector Allocation
SectorValue
Corporate89.39%
Cash Equivalent10.41%
Government0.2%
Credit Quality
RatingValue
A42.26%
AA49.72%
AAA2.9%
B0.23%
BBB2.49%
Below B2.4%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SHRIRAM TRANSPORT FINANCE COMPANY LIMITED
Debentures | -
7%₹392 Cr3,930
ADANI RAIL INFRA PRIVATE LIMITED
Debentures | -
6%₹352 Cr300
Rishanth Wholesale Trading Private Ltd.
Debentures | -
4%₹232 Cr230
Piramal Enterprises Limited
Debentures | -
4%₹230 Cr2,300
Andhra Pradesh Capital Region Development Authority
Debentures | -
4%₹200 Cr10,140
PIRAMAL CAPITAL & HOUSING FINANCE LIMITED
Debentures | -
3%₹164 Cr2,125
AADARSHINI REAL ESTATE DEVELOPERS PRIVATE LIMITED
Debentures | -
3%₹151 Cr30
PIPELINE INFRASTRUCTURE PRIVATE LIMITED
Debentures | -
2%₹137 Cr1,350
Yes Bank Limited
Debentures | -
2%₹132 Cr1,695
Coastal Gujarat Power Limited
Debentures | -
2%₹125 Cr1,150

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 7.7% 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 (27 Mar 20) ₹20.5428 ↑ 0.29   (1.44 %)
Net Assets (Cr) ₹3,827 on 29 Feb 20
Category Debt - Low Duration
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 0.78
Sharpe Ratio -0.72
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 10.55%
Effective Maturity 1 Year 2 Months 16 Days
Modified Duration 11 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
28 Feb 15₹10,000
29 Feb 16₹10,887
28 Feb 17₹12,059
28 Feb 18₹12,972
28 Feb 19₹14,130
29 Feb 20₹13,885

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 27 Mar 20

DurationReturns
1 Month -2.9%
3 Month -7.8%
6 Month -8.4%
1 Year -5.3%
3 Year 3.7%
5 Year 6%
10 Year
15 Year
Since launch 7.7%
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 145.72 Yr.
Kunal Agrawal15 Apr 145.72 Yr.

Data below for Franklin India Low Duration Fund as on 29 Feb 20

Asset Allocation
Asset ClassValue
Cash14.87%
Debt85.13%
Debt Sector Allocation
SectorValue
Corporate94.45%
Cash Equivalent3.15%
Government2.39%
Credit Quality
RatingValue
A47.04%
AA36.38%
AAA11.51%
B0.34%
Below B4.73%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Greenko Clean Energy Projects Private Limited
Debentures | -
7%₹301 Cr30,000
Small Business Fincredit India Private Limited
Debentures | -
6%₹248 Cr2,500
Renew Power Ventures Private Limited
Debentures | -
5%₹217 Cr2,170
Tata Realty And Infrastructure Limited
Commercial Paper | -
5%₹203 Cr4,300
ESS KAY FINCORP LIMITED
Debentures | -
5%₹196 Cr2,000
Tata Projects Limited
Commercial Paper | -
5%₹195 Cr4,000
ReNew Solar Power Private Limited
Debentures | -
4%₹153 Cr1,498
Call, Cash & Other Assets
Net Current Assets | -
4%₹153 Cr
JM FINANCIAL ASSET RECONSTRUCTION COMPANY LIMITED
Debentures | -
4%₹148 Cr1,500
STERLITE POWER GRID VENTURES LIMITED
Debentures | -
4%₹145 Cr1,450

5. Baroda Pioneer Credit Risk Fund

(Erstwhile Baroda Pioneer Credit Opportunities Fund)

The primary objective of the Scheme is to generate returns by investing in debt and money market instruments across the credit spectrum. There is no assurance or guarantee that the investment objective of the Scheme will be realized.

Baroda Pioneer Credit Risk Fund is a Debt - Credit Risk fund was launched on 23 Jan 15. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.9% since its launch.  Return for 2019 was 2.1% , 2018 was 5.9% and 2017 was 8.4% .

Below is the key information for Baroda Pioneer Credit Risk Fund

Baroda Pioneer Credit Risk Fund
Growth
Launch Date 23 Jan 15
NAV (27 Mar 20) ₹14.1134 ↑ 0.24   (1.74 %)
Net Assets (Cr) ₹573 on 29 Feb 20
Category Debt - Credit Risk
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating Not Rated
Risk Moderate
Expense Ratio 1.82
Sharpe Ratio 0.18
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 7 Months 9 Days
Modified Duration 1 Year 7 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 15₹10,000
29 Feb 16₹10,943
28 Feb 17₹12,249
28 Feb 18₹13,127
28 Feb 19₹13,917
29 Feb 20₹14,418

Baroda Pioneer 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 Baroda Pioneer 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 27 Mar 20

DurationReturns
1 Month -3.4%
3 Month -1.4%
6 Month -0.6%
1 Year -0.7%
3 Year 4.1%
5 Year 6.7%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2019 2.1%
2018 5.9%
2017 8.4%
2016 11.3%
2015
2014
2013
2012
2011
2010
Fund Manager information for Baroda Pioneer Credit Risk Fund
NameSinceTenure
Alok Sahoo23 Jan 154.69 Yr.
Karn Kumar24 Jul 172.19 Yr.

Data below for Baroda Pioneer Credit Risk Fund as on 29 Feb 20

Asset Allocation
Asset ClassValue
Cash18.33%
Debt81.67%
Debt Sector Allocation
SectorValue
Corporate75.43%
Cash Equivalent18.33%
Government6.23%
Credit Quality
RatingValue
A12.59%
AA67.17%
AAA15.31%
BBB3.35%
Below B1.58%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Edelweiss Commodities Services Limited
Debentures | -
10%₹55 Cr560
Aspire Home Finance Corporation Limited
Debentures | -
9%₹50 Cr500
IndusInd Bank Limited
Debentures | -
8%₹48 Cr481
Vedanta Limited
Debentures | -
6%₹35 Cr350
Tata Steel Limited
Debentures | -
6%₹34 Cr210
↑ 210
Treps
CBLO/Reverse Repo | -
5%₹30 Cr
ICICI Bank Limited
Debentures | -
4%₹26 Cr250
Net Receivable / Payable
Net Current Assets | -
4%₹25 Cr
Piramal Enterprises Limited
Debentures | -
4%₹25 Cr250
↑ 250
HDFC Bank Limited
Debentures | -
4%₹22 Cr200

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 (27 Mar 20) ₹27.4593 ↑ 0.24   (0.89 %)
Net Assets (Cr) ₹15,040 on 29 Feb 20
Category Debt - Ultrashort Bond
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 0.42
Sharpe Ratio 0.39
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 9.48%
Effective Maturity 6 Months 25 Days
Modified Duration 5 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 15₹10,000
29 Feb 16₹10,956
28 Feb 17₹12,039
28 Feb 18₹12,984
28 Feb 19₹14,177
29 Feb 20₹14,860

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 27 Mar 20

DurationReturns
1 Month 0.6%
3 Month -2.1%
6 Month 0.1%
1 Year 4.7%
3 Year 7.3%
5 Year 8.2%
10 Year
15 Year
Since launch 8.6%
Historical performance (Yearly) on absolute basis
YearReturns
2019 9.6%
2018 8.7%
2017 8.2%
2016 9.7%
2015 9.7%
2014 10%
2013 10%
2012 10.3%
2011 9.4%
2010 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 29 Feb 20

Asset Allocation
Asset ClassValue
Cash23.54%
Debt76.46%
Debt Sector Allocation
SectorValue
Corporate76.8%
Cash Equivalent22.2%
Government1%
Credit Quality
RatingValue
A18.96%
AA66.09%
AAA14.95%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Vedanta Limited
Debentures | -
5%₹795 Cr7,900
Call, Cash & Other Assets
Net Current Assets | -
4%₹638 Cr
Bharti Airtel Limited
Debentures | -
4%₹553 Cr5,500
JM FINANCIAL CREDIT SOLUTIONS LIMITED
Debentures | -
4%₹540 Cr5,400
Indostar Capital Finance Limited
Debentures | -
3%₹439 Cr4,400
Bharti Airtel Limited
Debentures | -
3%₹400 Cr4,000
INDOSTAR CAPITAL FINANCE LIMITED
Debentures | -
3%₹390 Cr3,900
NIRCHEM Cement Limited
Debentures | -
3%₹378 Cr3,750
EDELWEISS COMMODITIES SERVICES LIMITED
Debentures | -
2%₹371 Cr7,500
EDELWEISS COMMODITIES SERVICES LIMITED
Debentures | -
2%₹361 Cr3,650

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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