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Fincash » Mutual Funds » Best Direct Plans in Debt Funds

Best Direct Plans in Debt Mutual Funds

Updated on January 19, 2020 , 65 views

The mutual fund offers two plans- regular and direct. While regular plans have been in the option for many years, the first direct plan got introduced in the year 2013. But, direct plans are gaining a huge popularity amongst new investors due to its unique features and benefits. Though, currently direct plans are available only through a limited platform, but looking at its demand, many channels are introducing direct plans. Investors who want to invest in Debt fund by opting direct plans, here’s a glimpse of what are direct funds, a brief understanding of debt funds, along with some of the best direct pans debt funds.

Direct-debt-Funds

Why Direct Funds are for you?

Unlike regular funds, direct funds are available through limited channels like from a mutual fund company, RTAs such as Karvy/CAMS, limited third party securities intermediaries, and authorized local representatives of the fund house. Investors who can independently invest and track their investments without a help of an advisor or a mediator can invest in direct plans from the fund house.

In direct funds, there are no expense charges like regular funds. As there are no distributor charges/ transaction chargers, etc., the expense ratio of direct plans is less. This effect on returns too. As the expense ratio of a direct mutual fund is less, the returns it can be slightly higher than regular plans- about 0.5 percent to 1.5 percent higher. This is one of the reasons why investors are opting for direct funds.

Ideally, an investor who has an experience of mutual fund investment and a fair knowledge about market movements should prefer for direct plans. New investors who aren’t sure about risk appetite and the market should ideally prefer Mutual Funds with regular plans.

Understanding Debt Fund Investment

Debt funds are a type of mutual funds that mainly invest in fixed income securities like Bonds, government securities, treasury bills, etc. If we look at the classifications of debt funds, they are categorized as per maturities- short, mid and long term period. This gives a range of options for investors who want to invest in debt funds.

Debt funds are a good option for those who don’t want to take much risk in the investments or one who want to avoid Investing in the highly volatile Equity Funds. These funds provide a regular and steady income, however, the returns are less compared to equity funds.

Types of Debt Funds as per maturity

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Best Debt Mutual Funds Direct Plans

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2018 (%)
Reliance Gilt Securities Fund - Direct Normal Growth, Growth ₹29.4211
↑ 0.04
₹1,1181.52.513.68.610.113.4
Reliance Gilt Securities Fund - Direct Growth ₹29.3421
↑ 0.04
₹1,1181.52.513.68.61013.4
UTI Gilt Advantage Fund- LTP - Direct Growth ₹45.6666
↓ 0.00
₹5310.91.212.67.28.512.1
Franklin India Banking And PSU Debt Fund - Direct Growth ₹16.5141
↑ 0.01
₹1,0212.5511.78.48.611.6
Franklin India Income Builder Account - Plan A - Direct Growth ₹74.7048
↑ 0.08
₹1,4042.94.3108.899.8
Reliance Dynamic Bond Fund - Direct Growth ₹27.3457
↑ 0.02
₹8860.51.29.45.87.49.2
HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth ₹34.9392
↑ 0.01
₹10,6211.948.67.68.28.7
Franklin India Savings Plus Fund Retail Option - Direct Growth ₹37.4342
↑ 0.01
₹4,7241.53.78.47.88.28.6
UTI Money Market Fund - Direct Growth ₹2,242.98
↑ 0.36
₹7,5151.53.47.97.67.88.1
Franklin India Treasury Management Account - Regular Plan - Direct Growth ₹2,947.35
↑ 0.45
₹12,5291.436.87.17.56.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Jan 20

1. Reliance Gilt Securities Fund - Direct

The primary investment objective of the scheme is to generate optimal credit risk-free returns by investing in a portfolio of securities issued and guaranteed by the Central Government and State Government.

Reliance Gilt Securities Fund - Direct is a Debt - Government Bond fund was launched on 23 Jul 13. It is a fund with Moderate risk and has given a CAGR/Annualized return of 11.1% since its launch.  Return for 2019 was 13.4% , 2018 was 9.1% and 2017 was 4.6% .

Below is the key information for Reliance Gilt Securities Fund - Direct

Reliance Gilt Securities Fund - Direct
Normal Growth, Growth
Launch Date 23 Jul 13
NAV (22 Jan 20) ₹29.4211 ↑ 0.04   (0.12 %)
Net Assets (Cr) ₹1,118 on 31 Dec 19
Category Debt - Government Bond
AMC Nippon Life Asset Management Ltd.
Rating Not Rated
Risk Moderate
Expense Ratio 0.68
Sharpe Ratio 2.37
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-15 Days (0.25%),15 Days and above(NIL)
Yield to Maturity 6.86%
Effective Maturity 10 Years 14 Days
Modified Duration 6 Years 8 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,746
31 Dec 16₹12,789
31 Dec 17₹13,374
31 Dec 18₹14,589
31 Dec 19₹16,543

Reliance Gilt Securities Fund - Direct SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹212,284.
Net Profit of ₹32,284
Invest Now

Returns for Reliance Gilt Securities Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20

DurationReturns
1 Month 0.4%
3 Month 1.5%
6 Month 2.5%
1 Year 13.6%
3 Year 8.6%
5 Year 10.1%
10 Year
15 Year
Since launch 11.1%
Historical performance (Yearly) on absolute basis
YearReturns
2018 13.4%
2017 9.1%
2016 4.6%
2015 19%
2014 7.5%
2013 20.1%
2012
2011
2010
2009
Fund Manager information for Reliance Gilt Securities Fund - Direct
NameSinceTenure
Prashant Pimple30 Mar 0910.76 Yr.
Kinjal Desai16 Jul 181.46 Yr.

Data below for Reliance Gilt Securities Fund - Direct as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash5.43%
Debt94.55%
Other0.02%
Debt Sector Allocation
SectorValue
Government94.55%
Cash Equivalent5.43%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
GOVT STOCK
Sovereign Bonds | -
39%₹417 Cr40,000,000
↓ -10,000,000
GOVT STOCK
Sovereign Bonds | -
36%₹381 Cr36,356,100
↑ 6,500,000
7.59% Govt Stock 2026
Sovereign Bonds | -
17%₹178 Cr17,000,000
↑ 6,500,000
Triparty Repo
CBLO/Reverse Repo | -
5%₹51 Cr
7.17% Govt Stock 2028
Sovereign Bonds | -
2%₹21 Cr2,000,000
Reverse Repo
CBLO/Reverse Repo | -
1%₹6 Cr
8.17% Govt Stock 2044
Sovereign Bonds | -
0%₹2 Cr200,000
↑ 200,000
7.37% Govt Stock 2023
Sovereign Bonds | -
0%₹1 Cr63,200
7.73% Govt Stock 2034
Sovereign Bonds | -
0%₹1 Cr47,600
Cash Margin - Ccil
Receivables | -
0%₹0 Cr

2. Reliance Gilt Securities Fund - Direct

The primary investment objective of the scheme is to generate optimal credit risk-free returns by investing in a portfolio of securities issued and guaranteed by the Central Government and State Government.

Reliance Gilt Securities Fund - Direct is a Debt - Government Bond fund was launched on 1 Jan 13. It is a fund with Moderate risk and has given a CAGR/Annualized return of 10.6% since its launch.  Return for 2019 was 13.4% , 2018 was 9.1% and 2017 was 4.6% .

Below is the key information for Reliance Gilt Securities Fund - Direct

Reliance Gilt Securities Fund - Direct
Growth
Launch Date 1 Jan 13
NAV (22 Jan 20) ₹29.3421 ↑ 0.04   (0.12 %)
Net Assets (Cr) ₹1,118 on 31 Dec 19
Category Debt - Government Bond
AMC Nippon Life Asset Management Ltd.
Rating Not Rated
Risk Moderate
Expense Ratio 0.68
Sharpe Ratio 2.36
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-15 Days (0.25%),15 Days and above(NIL)
Yield to Maturity 6.86%
Effective Maturity 10 Years 14 Days
Modified Duration 6 Years 8 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,752
31 Dec 16₹12,721
31 Dec 17₹13,303
31 Dec 18₹14,512
31 Dec 19₹16,455

Reliance Gilt Securities Fund - Direct SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201
Invest Now

Returns for Reliance Gilt Securities Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20

DurationReturns
1 Month 0.4%
3 Month 1.5%
6 Month 2.5%
1 Year 13.6%
3 Year 8.6%
5 Year 10%
10 Year
15 Year
Since launch 10.6%
Historical performance (Yearly) on absolute basis
YearReturns
2018 13.4%
2017 9.1%
2016 4.6%
2015 18.3%
2014 7.5%
2013 20.1%
2012
2011
2010
2009
Fund Manager information for Reliance Gilt Securities Fund - Direct
NameSinceTenure
Prashant Pimple30 Mar 0910.76 Yr.
Kinjal Desai16 Jul 181.46 Yr.

Data below for Reliance Gilt Securities Fund - Direct as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash5.43%
Debt94.55%
Other0.02%
Debt Sector Allocation
SectorValue
Government94.55%
Cash Equivalent5.43%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
GOVT STOCK
Sovereign Bonds | -
39%₹417 Cr40,000,000
↓ -10,000,000
GOVT STOCK
Sovereign Bonds | -
36%₹381 Cr36,356,100
↑ 6,500,000
7.59% Govt Stock 2026
Sovereign Bonds | -
17%₹178 Cr17,000,000
↑ 6,500,000
Triparty Repo
CBLO/Reverse Repo | -
5%₹51 Cr
7.17% Govt Stock 2028
Sovereign Bonds | -
2%₹21 Cr2,000,000
Reverse Repo
CBLO/Reverse Repo | -
1%₹6 Cr
8.17% Govt Stock 2044
Sovereign Bonds | -
0%₹2 Cr200,000
↑ 200,000
7.37% Govt Stock 2023
Sovereign Bonds | -
0%₹1 Cr63,200
7.73% Govt Stock 2034
Sovereign Bonds | -
0%₹1 Cr47,600
Cash Margin - Ccil
Receivables | -
0%₹0 Cr

3. UTI Gilt Advantage Fund- LTP - Direct

To generate credit risk-free return through investment in sovereign securities issued by the Central Government and / or a State Government and / or any security unconditionally guaranteed by the Central Government and / or a State Government for repayment of principal and interest. However there can be no assurance that the investment objective of the Scheme will be achieved.

UTI Gilt Advantage Fund- LTP - Direct is a Debt - Government Bond fund was launched on 1 Jan 13. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9.7% since its launch.  Return for 2019 was 12.1% , 2018 was 6.6% and 2017 was 4.5% .

Below is the key information for UTI Gilt Advantage Fund- LTP - Direct

UTI Gilt Advantage Fund- LTP - Direct
Growth
Launch Date 1 Jan 13
NAV (22 Jan 20) ₹45.6666 ↓ 0.00   (-0.01 %)
Net Assets (Cr) ₹531 on 31 Dec 19
Category Debt - Government Bond
AMC UTI Asset Management Company Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 0.69
Sharpe Ratio 1.94
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.35%
Effective Maturity 5 Years 4 Months 17 Days
Modified Duration 3 Years 8 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,637
31 Dec 16₹12,322
31 Dec 17₹12,881
31 Dec 18₹13,732
31 Dec 19₹15,399

UTI Gilt Advantage Fund- LTP - Direct 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 UTI Gilt Advantage Fund- LTP - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20

DurationReturns
1 Month 0.4%
3 Month 0.9%
6 Month 1.2%
1 Year 12.6%
3 Year 7.2%
5 Year 8.5%
10 Year
15 Year
Since launch 9.7%
Historical performance (Yearly) on absolute basis
YearReturns
2018 12.1%
2017 6.6%
2016 4.5%
2015 15.8%
2014 6.4%
2013 20%
2012
2011
2010
2009
Fund Manager information for UTI Gilt Advantage Fund- LTP - Direct
NameSinceTenure
Amandeep Chopra1 Feb 127.83 Yr.

Data below for UTI Gilt Advantage Fund- LTP - Direct as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash3.35%
Debt96.65%
Debt Sector Allocation
SectorValue
Government96.65%
Cash Equivalent3.35%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.26% Govt Stock 2029
Sovereign Bonds | -
38%₹203 Cr1,950,000,000
↑ 1,200,000,000
GOVT STOCK
Sovereign Bonds | -
21%₹110 Cr1,100,000,000
↑ 1,100,000,000
GOVT STOCK
Sovereign Bonds | -
10%₹52 Cr500,000,000
↓ -600,000,000
GOVT STOCK
Sovereign Bonds | -
10%₹52 Cr500,000,000
GOVT STOCK
Sovereign Bonds | -
10%₹52 Cr500,000,000
08.44 RJ SDL 2029
Sovereign Bonds | -
5%₹27 Cr250,000,000
Net Current Assets
Net Current Assets | -
3%₹18 Cr00
8.13% Govt Stock 2045
Sovereign Bonds | -
3%₹17 Cr150,000,000

4. Franklin India Banking And PSU Debt Fund - Direct

The fund seeks to provide income through a portfolio of debt and money market instruments consisting predominantly of securities issued by entities such as Banks and Public Sector Undertakings (PSUs). However, there is no assurance or guarantee that the objective of the scheme will be achieved.

Franklin India Banking And PSU Debt Fund - Direct is a Debt - Banking & PSU Debt fund was launched on 25 Apr 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9.1% since its launch.  Return for 2019 was 11.6% , 2018 was 7.3% and 2017 was 6.8% .

Below is the key information for Franklin India Banking And PSU Debt Fund - Direct

Franklin India Banking And PSU Debt Fund - Direct
Growth
Launch Date 25 Apr 14
NAV (22 Jan 20) ₹16.5141 ↑ 0.01   (0.09 %)
Net Assets (Cr) ₹1,021 on 31 Dec 19
Category Debt - Banking & PSU Debt
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 0.19
Sharpe Ratio 3.48
Information Ratio 0
Alpha Ratio 0
Min Investment
Min SIP Investment
Exit Load NIL
Yield to Maturity 7.44%
Effective Maturity 4 Years 7 Months 17 Days
Modified Duration 3 Years 6 Months

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,788
31 Dec 16₹11,883
31 Dec 17₹12,685
31 Dec 18₹13,609
31 Dec 19₹15,184

Franklin India Banking And PSU Debt Fund - Direct 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

Purchase not allowed

Returns for Franklin India Banking And PSU Debt Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20

DurationReturns
1 Month 1%
3 Month 2.5%
6 Month 5%
1 Year 11.7%
3 Year 8.4%
5 Year 8.6%
10 Year
15 Year
Since launch 9.1%
Historical performance (Yearly) on absolute basis
YearReturns
2018 11.6%
2017 7.3%
2016 6.8%
2015 10.2%
2014 7.9%
2013
2012
2011
2010
2009
Fund Manager information for Franklin India Banking And PSU Debt Fund - Direct
NameSinceTenure
Sachin Padwal-Desai25 Apr 145.6 Yr.
Umesh Sharma25 Apr 145.6 Yr.
Pyari Menon26 Sep 190.18 Yr.

Data below for Franklin India Banking And PSU Debt Fund - Direct as on 31 Dec 19

Asset Allocation
Asset ClassValue
Debt97.51%
Other2.49%
Debt Sector Allocation
SectorValue
Government70.82%
Corporate26.69%
Credit Quality
RatingValue
A1.43%
AA14.4%
AAA84.16%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
GOVT STOCK
Sovereign Bonds | -
6%₹52 Cr5,000,000
↑ 5,000,000
POWER FINANCE CORPORATION LIMITED
Debentures | -
4%₹38 Cr360
Indian Railway Finance Corporation Limited
Debentures | -
4%₹36 Cr350
↑ 250
Rural Electrification Corporation Limited
Debentures | -
4%₹35 Cr350
↑ 350
Bharat Petroleum Corporation Limited
Debentures | -
4%₹34 Cr330
↑ 180
Power Grid Corporation Of India Limited
Debentures | -
4%₹32 Cr300
↑ 190
NATIONAL HIGHWAYS AUTHORITY OF INDIA
Debentures | -
3%₹30 Cr300
↑ 300
ONGC PETRO ADDITIONS LIMITED
Debentures | -
3%₹30 Cr300
Power Grid Corporation Of India Limited
Debentures | -
3%₹27 Cr250
↑ 70
GOVT STOCK
Sovereign Bonds | -
3%₹26 Cr2,500,000
↑ 500,000

5. Franklin India Income Builder Account - Plan A - Direct

The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan.

Franklin India Income Builder Account - Plan A - Direct is a Debt - Corporate Bond fund was launched on 1 Jan 13. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9.7% since its launch.  Return for 2019 was 9.8% , 2018 was 8.1% and 2017 was 8.3% .

Below is the key information for Franklin India Income Builder Account - Plan A - Direct

Franklin India Income Builder Account - Plan A - Direct
Growth
Launch Date 1 Jan 13
NAV (22 Jan 20) ₹74.7048 ↑ 0.08   (0.11 %)
Net Assets (Cr) ₹1,404 on 31 Dec 19
Category Debt - Corporate Bond
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 0.32
Sharpe Ratio 2.44
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load 0-1 Years (0.5%),1 Years and above(NIL)
Yield to Maturity 8.43%
Effective Maturity 3 Years 7 Months 24 Days
Modified Duration 2 Years 9 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,929
31 Dec 16₹11,987
31 Dec 17₹12,987
31 Dec 18₹14,043
31 Dec 19₹15,421

Franklin India Income Builder Account - Plan A - Direct 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 Income Builder Account - Plan A - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20

DurationReturns
1 Month 1.2%
3 Month 2.9%
6 Month 4.3%
1 Year 10%
3 Year 8.8%
5 Year 9%
10 Year
15 Year
Since launch 9.7%
Historical performance (Yearly) on absolute basis
YearReturns
2018 9.8%
2017 8.1%
2016 8.3%
2015 9.7%
2014 9.3%
2013 13.7%
2012
2011
2010
2009
Fund Manager information for Franklin India Income Builder Account - Plan A - Direct
NameSinceTenure
Sachin Padwal-Desai25 Oct 181.1 Yr.
Santosh Kamath1 Aug 181.33 Yr.
Umesh Sharma25 Oct 181.1 Yr.

Data below for Franklin India Income Builder Account - Plan A - Direct as on 31 Dec 19

Asset Allocation
Asset ClassValue
Debt96.72%
Other3.28%
Debt Sector Allocation
SectorValue
Corporate67.79%
Government28.93%
Credit Quality
RatingValue
A0.49%
AA25.11%
AAA71.93%
BBB2.47%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
PIPELINE INFRASTRUCTURE PRIVATE LIMITED
Debentures | -
7%₹93 Cr920
↑ 250
POWER FINANCE CORPORATION LIMITED
Debentures | -
5%₹72 Cr680
Rural Electrification Corporation Limited
Debentures | -
5%₹70 Cr660
Reliance Ports And Terminals Limited
Debentures | -
5%₹69 Cr667
↑ 200
INDIA GRID TRUST
Debentures | -
4%₹60 Cr590
↑ 190
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Debentures | -
4%₹54 Cr510
↑ 510
GRASIM INDUSTRIES LIMITED
Debentures | -
4%₹51 Cr500
SHRIRAM TRANSPORT FINANCE COMPANY LIMITED
Debentures | -
3%₹47 Cr500
Call, Cash & Other Assets
Receivables | -
3%₹44 Cr
ICICI Bank Limited
Debentures | -
3%₹44 Cr430

6. Reliance Dynamic Bond Fund - Direct

The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risks. This income may be complimented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in debt and money market instruments.

Reliance Dynamic Bond Fund - Direct is a Debt - Dynamic Bond fund was launched on 1 Jan 13. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.5% since its launch.  Return for 2019 was 9.2% , 2018 was 5.5% and 2017 was 3.8% .

Below is the key information for Reliance Dynamic Bond Fund - Direct

Reliance Dynamic Bond Fund - Direct
Growth
Launch Date 1 Jan 13
NAV (22 Jan 20) ₹27.3457 ↑ 0.02   (0.07 %)
Net Assets (Cr) ₹886 on 31 Dec 19
Category Debt - Dynamic Bond
AMC Nippon Life Asset Management Ltd.
Rating Not Rated
Risk Moderate
Expense Ratio 1.18
Sharpe Ratio 1.49
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 6.81%
Effective Maturity 7 Years 6 Months 4 Days
Modified Duration 5 Years 2 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,642
31 Dec 16₹12,204
31 Dec 17₹12,666
31 Dec 18₹13,358
31 Dec 19₹14,588

Reliance Dynamic Bond Fund - Direct 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 Dynamic Bond Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20

DurationReturns
1 Month 0.1%
3 Month 0.5%
6 Month 1.2%
1 Year 9.4%
3 Year 5.8%
5 Year 7.4%
10 Year
15 Year
Since launch 8.5%
Historical performance (Yearly) on absolute basis
YearReturns
2018 9.2%
2017 5.5%
2016 3.8%
2015 14.7%
2014 6.4%
2013 16%
2012
2011
2010
2009
Fund Manager information for Reliance Dynamic Bond Fund - Direct
NameSinceTenure
Prashant Pimple1 Dec 0415.09 Yr.
Kinjal Desai25 May 181.6 Yr.

Data below for Reliance Dynamic Bond Fund - Direct as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash5.43%
Debt94.52%
Other0.05%
Debt Sector Allocation
SectorValue
Government89.93%
Cash Equivalent5.43%
Corporate4.59%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
GOVT STOCK
Sovereign Bonds | -
33%₹312 Cr29,967,200
↑ 500,000
GOVT STOCK
Sovereign Bonds | -
26%₹239 Cr23,000,000
↓ -2,000,000
GOVT STOCK
Sovereign Bonds | -
14%₹128 Cr12,176,800
↓ -10,750,000
7.26% Govt Stock 2029
Sovereign Bonds | -
6%₹52 Cr5,000,000
↑ 5,000,000
Indian Railway Finance Corporation Limited
Debentures | -
5%₹50 Cr500
↑ 500
Reliance Industries Limited
Debentures | -
5%₹43 Cr400
↑ 400
Triparty Repo
CBLO/Reverse Repo | -
4%₹36 Cr
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Debentures | -
3%₹26 Cr250
↑ 250
INDIAN RAILWAY FINANCE CORPORATION LIMITED
Debentures | -
3%₹25 Cr250
↑ 250
Net Current Assets
Net Current Assets | -
2%₹15 Cr

7. HDFC Floating Rate Income Fund - Short Term Plan - Direct

The investment objective of the scheme is to generate regular income through investment in a portfolio comprising substantially of floating & fixed rate debt & money market instruments swapped for floating rate returns and fixed rate debt securities and money market instruments.

HDFC Floating Rate Income Fund - Short Term Plan - Direct is a Debt - Floating Rate fund was launched on 1 Jan 13. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.5% since its launch.  Return for 2019 was 8.7% , 2018 was 7.4% and 2017 was 7% .

Below is the key information for HDFC Floating Rate Income Fund - Short Term Plan - Direct

HDFC Floating Rate Income Fund - Short Term Plan - Direct
Growth
Launch Date 1 Jan 13
NAV (22 Jan 20) ₹34.9392 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹10,621 on 31 Dec 19
Category Debt - Floating Rate
AMC HDFC Asset Management Company Limited
Rating Not Rated
Risk Moderately Low
Expense Ratio 0.28
Sharpe Ratio 7.6
Information Ratio 1.01
Alpha Ratio -0.35
Min Investment
Min SIP Investment
Exit Load NIL
Yield to Maturity 6.23%
Effective Maturity 11 Months 5 Days
Modified Duration 8 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,893
31 Dec 16₹11,884
31 Dec 17₹12,712
31 Dec 18₹13,649
31 Dec 19₹14,839

HDFC Floating Rate Income Fund - Short Term Plan - Direct 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

Purchase not allowed

Returns for HDFC Floating Rate Income Fund - Short Term Plan - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 4%
1 Year 8.6%
3 Year 7.6%
5 Year 8.2%
10 Year
15 Year
Since launch 8.5%
Historical performance (Yearly) on absolute basis
YearReturns
2018 8.7%
2017 7.4%
2016 7%
2015 9.1%
2014 8.9%
2013 9.5%
2012
2011
2010
2009
Fund Manager information for HDFC Floating Rate Income Fund - Short Term Plan - Direct
NameSinceTenure
Shobhit Mehrotra16 Feb 0415.88 Yr.
Chirag Dagli31 Jul 190.42 Yr.

Data below for HDFC Floating Rate Income Fund - Short Term Plan - Direct as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash46.11%
Debt53.89%
Debt Sector Allocation
SectorValue
Corporate42.27%
Cash Equivalent29.5%
Government28.23%
Credit Quality
RatingValue
A2.74%
AA13.28%
AAA83.97%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC HOUSING FINANCE LIMITED
Debentures | -
7%₹680 Cr6,750
Export-Import Bank Of India
Certificate of Deposit | -
5%₹467 Cr47,500
NABHA POWER LIMITED
Debentures | -
4%₹376 Cr3,705
↓ -295
National Housing Bank
Debentures | -
4%₹357 Cr3,550
Housing Development Finance Corporation Limited
Debentures | -
3%₹317 Cr3,150
Net Current Assets
Net Current Assets | -
3%₹308 Cr
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
Certificate of Deposit | -
3%₹302 Cr31,000
Axis Bank Limited
Certificate of Deposit | -
3%₹300 Cr30,000
Union Bank Of India
Debentures | -
3%₹286 Cr2,850
Syndicate Bank
Debentures | -
3%₹264 Cr2,600

8. Franklin India Savings Plus Fund Retail Option - Direct

Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments.

Franklin India Savings Plus Fund Retail Option - Direct is a Debt - Money Market fund was launched on 1 Jan 13. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.6% since its launch.  Return for 2019 was 8.6% , 2018 was 7.7% and 2017 was 7.3% .

Below is the key information for Franklin India Savings Plus Fund Retail Option - Direct

Franklin India Savings Plus Fund Retail Option - Direct
Growth
Launch Date 1 Jan 13
NAV (22 Jan 20) ₹37.4342 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹4,724 on 31 Dec 19
Category Debt - Money Market
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating Not Rated
Risk Moderately Low
Expense Ratio 0.15
Sharpe Ratio 7.38
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.75%
Effective Maturity 4 Months 17 Days
Modified Duration 4 Months 6 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,900
31 Dec 16₹11,825
31 Dec 17₹12,693
31 Dec 18₹13,675
31 Dec 19₹14,856

Franklin India Savings Plus Fund Retail Option - Direct 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 Savings Plus Fund Retail Option - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.7%
1 Year 8.4%
3 Year 7.8%
5 Year 8.2%
10 Year
15 Year
Since launch 8.6%
Historical performance (Yearly) on absolute basis
YearReturns
2018 8.6%
2017 7.7%
2016 7.3%
2015 8.5%
2014 9%
2013 9.5%
2012
2011
2010
2009
Fund Manager information for Franklin India Savings Plus Fund Retail Option - Direct
NameSinceTenure
Umesh Sharma25 Oct 181.1 Yr.
Pallab Roy6 Jun 0811.49 Yr.

Data below for Franklin India Savings Plus Fund Retail Option - Direct as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash92.93%
Debt3.97%
Other3.09%
Debt Sector Allocation
SectorValue
Corporate66.16%
Cash Equivalent22.97%
Government7.78%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Retail Limited
Commercial Paper | -
5%₹248 Cr5,000
L & T Infrastructure Finance Company Limited
Commercial Paper | -
5%₹246 Cr5,000
Reliance Jio Infocomm Limited
Commercial Paper | -
4%₹198 Cr4,000
↑ 4,000
Reliance Industries Limited
Commercial Paper | -
4%₹197 Cr4,000
↑ 4,000
ICICI BANK LIMITED
Certificate of Deposit | -
4%₹193 Cr20,000
LARSEN AND TOUBRO LIMITED
Commercial Paper | -
3%₹173 Cr3,500
8.08% Orrisa SDL 2020
Sovereign Bonds | -
3%₹171 Cr17,000,000
↑ 17,000,000
Hero Fincorp Limited
Commercial Paper | -
3%₹169 Cr3,600
↑ 3,600
National Bank For Agriculture And Rural Development
Certificate of Deposit | -
3%₹169 Cr17,500
↑ 5,000
Call, Cash & Other Assets
Receivables | -
3%₹157 Cr

9. UTI Money Market Fund - Direct

To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities.

UTI Money Market Fund - Direct is a Debt - Money Market fund was launched on 1 Jan 13. It is a fund with Low risk and has given a CAGR/Annualized return of 8.2% since its launch.  Return for 2019 was 8.1% , 2018 was 7.9% and 2017 was 6.8% .

Below is the key information for UTI Money Market Fund - Direct

UTI Money Market Fund - Direct
Growth
Launch Date 1 Jan 13
NAV (22 Jan 20) ₹2,242.98 ↑ 0.36   (0.02 %)
Net Assets (Cr) ₹7,515 on 31 Dec 19
Category Debt - Money Market
AMC UTI Asset Management Company Ltd
Rating Not Rated
Risk Low
Expense Ratio 0.11
Sharpe Ratio 9.27
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment
Exit Load NIL
Yield to Maturity 5.69%
Effective Maturity 3 Months 23 Days
Modified Duration 3 Months 22 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,845
31 Dec 16₹11,689
31 Dec 17₹12,482
31 Dec 18₹13,471
31 Dec 19₹14,562

UTI Money Market Fund - Direct 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

Purchase not allowed

Returns for UTI Money Market Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.4%
1 Year 7.9%
3 Year 7.6%
5 Year 7.8%
10 Year
15 Year
Since launch 8.2%
Historical performance (Yearly) on absolute basis
YearReturns
2018 8.1%
2017 7.9%
2016 6.8%
2015 7.8%
2014 8.5%
2013 9.2%
2012
2011
2010
2009
Fund Manager information for UTI Money Market Fund - Direct
NameSinceTenure
Amandeep Chopra14 Dec 0612.97 Yr.
Amit Sharma7 Jul 172.4 Yr.

Data below for UTI Money Market Fund - Direct as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Corporate61.17%
Cash Equivalent35.26%
Government3.58%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
5%₹348 Cr00
Export-Import Bank Of India
Certificate of Deposit | -
4%₹321 Cr3,250,000,000
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
Certificate of Deposit | -
4%₹296 Cr3,000,000,000
↑ 3,000,000,000
Reliance Industries Limited
Commercial Paper | -
4%₹294 Cr3,000,000,000
IndusInd Bank Limited
Certificate of Deposit | -
4%₹293 Cr3,000,000,000
CANFIN Homes Limited
Commercial Paper | -
4%₹292 Cr3,000,000,000
Larsen And Toubro Limited
Commercial Paper | -
3%₹247 Cr2,500,000,000
↑ 2,500,000,000
Reliance Retail Limited
Commercial Paper | -
3%₹245 Cr2,500,000,000
↑ 2,500,000,000
Oriental Bank Of Commerce
Certificate of Deposit | -
3%₹233 Cr2,350,000,000
Andhra Bank
Certificate of Deposit | -
3%₹223 Cr2,250,000,000
↓ -250,000,000

10. Franklin India Treasury Management Account - Regular Plan - Direct

Aims to provide current income with high liquidity.

Franklin India Treasury Management Account - Regular Plan - Direct is a Debt - Liquid Fund fund was launched on 1 Jan 13. It is a fund with Low risk and has given a CAGR/Annualized return of 8% since its launch.  Return for 2019 was 6.9% , 2018 was 7.5% and 2017 was 6.8% .

Below is the key information for Franklin India Treasury Management Account - Regular Plan - Direct

Franklin India Treasury Management Account - Regular Plan - Direct
Growth
Launch Date 1 Jan 13
NAV (22 Jan 20) ₹2,947.35 ↑ 0.45   (0.02 %)
Net Assets (Cr) ₹12,529 on 31 Dec 19
Category Debt - Liquid Fund
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating Not Rated
Risk Low
Expense Ratio 0.12
Sharpe Ratio 17.14
Information Ratio 0.52
Alpha Ratio 0.78
Min Investment
Min SIP Investment
Exit Load NIL
Yield to Maturity 5.72%
Effective Maturity 1 Month 2 Days
Modified Duration 29 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,861
31 Dec 16₹11,700
31 Dec 17₹12,496
31 Dec 18₹13,437
31 Dec 19₹14,371

Franklin India Treasury Management Account - Regular Plan - Direct 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

Purchase not allowed

Returns for Franklin India Treasury Management Account - Regular Plan - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20

DurationReturns
1 Month 0.5%
3 Month 1.4%
6 Month 3%
1 Year 6.8%
3 Year 7.1%
5 Year 7.5%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.9%
2017 7.5%
2016 6.8%
2015 7.7%
2014 8.6%
2013 9.3%
2012
2011
2010
2009
Fund Manager information for Franklin India Treasury Management Account - Regular Plan - Direct
NameSinceTenure
Umesh Sharma25 Oct 181.1 Yr.
Pallab Roy6 Jun 0811.49 Yr.

Data below for Franklin India Treasury Management Account - Regular Plan - Direct as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash73.02%
Other26.98%
Debt Sector Allocation
SectorValue
Corporate59.54%
Cash Equivalent12.07%
Government1.42%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Call, Cash & Other Assets
Receivables | -
27%₹3,803 Cr
RELIANCE JIO INFOCOMM LIMITED
Commercial Paper | -
4%₹499 Cr10,000
REC LIMITED
Commercial Paper | -
3%₹471 Cr9,500
↑ 9,500
TATA POWER RENEWABLE ENERGY LIMITED
Commercial Paper | -
3%₹449 Cr9,000
RELIANCE RETAIL LIMITED
Commercial Paper | -
3%₹369 Cr7,400
L & T INFRASTRUCTURE FINANCE COMPANY LIMITED
Commercial Paper | -
2%₹300 Cr6,000
42 DTB 17122019
Sovereign Bonds | -
2%₹299 Cr30,000,000
↑ 30,000,000
L&T HOUSING FINANCE LIMITED
Commercial Paper | -
2%₹299 Cr6,000
Reliance Jio Infocomm Limited
Commercial Paper | -
2%₹297 Cr6,000
↑ 6,000
Reliance Jio Infocomm Limited
Commercial Paper | -
2%₹297 Cr6,000
↑ 6,000

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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