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Fincash » Mutual Funds » Best Direct Plans in Debt Funds

Best Direct Plans in Debt Mutual Funds

Updated on August 3, 2020 , 114 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 (%)2019 (%)
Reliance Gilt Securities Fund - Direct Normal Growth, Growth ₹32.3677
↓ -0.08
₹1,45238.612.410.211.813.4
Reliance Gilt Securities Fund - Direct Growth ₹32.2046
↓ -0.08
₹1,45238.612.410.211.713.4
UTI Short Term Income Fund - Direct Growth ₹23.636
↓ -0.02
₹1,6694.86.911.84.16.3-3.5
Franklin India Banking And PSU Debt Fund - Direct Growth ₹17.5512
↓ -0.02
₹1,0253.55.711.19.39.211.6
Reliance Dynamic Bond Fund - Direct Growth ₹30.0267
↓ -0.01
₹7643.28.710.97.69.29.2
UTI Gilt Advantage Fund- LTP - Direct Growth ₹49.771
↓ -0.15
₹6982.88.210.58.510.212.1
HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth ₹36.8392
↓ -0.01
₹9,3313.55.29.38.18.38.7
Franklin India Income Builder Account - Plan A - Direct Growth ₹78.1019
↓ -0.06
₹8164.13.98.88.699.8
UTI Treasury Advantage Fund - Direct Growth ₹2,574.6
↓ -0.02
₹1,8652.94.68.53.65.6-4.1
Franklin India Savings Plus Fund Retail Option - Direct Growth ₹39.0118
↑ 0.00
₹1,3012.147.67.98.18.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Aug 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 11.7% 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 (05 Aug 20) ₹32.3677 ↓ -0.08   (-0.24 %)
Net Assets (Cr) ₹1,452 on 30 Jun 20
Category Debt - Government Bond
AMC Nippon Life Asset Management Ltd.
Rating Not Rated
Risk Moderate
Expense Ratio 0.68
Sharpe Ratio 3.23
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 5.89%
Effective Maturity 8 Years 6 Months 7 Days
Modified Duration 6 Years 1 Month 13 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 15₹10,000
31 Jul 16₹11,466
31 Jul 17₹13,008
31 Jul 18₹13,208
31 Jul 19₹15,550
31 Jul 20₹17,467

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 ₹215,396.
Net Profit of ₹35,396
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 5 Aug 20

DurationReturns
1 Month 0.9%
3 Month 3%
6 Month 8.6%
1 Year 12.4%
3 Year 10.2%
5 Year 11.8%
10 Year
15 Year
Since launch 11.7%
Historical performance (Yearly) on absolute basis
YearReturns
2019 13.4%
2018 9.1%
2017 4.6%
2016 19%
2015 7.5%
2014 20.1%
2013
2012
2011
2010
Fund Manager information for Reliance Gilt Securities Fund - Direct
NameSinceTenure
Prashant Pimple30 Mar 0911.26 Yr.
Kinjal Desai16 Jul 181.96 Yr.

Data below for Reliance Gilt Securities Fund - Direct as on 30 Jun 20

Asset Allocation
Asset ClassValue
Cash3.73%
Debt96.27%
Debt Sector Allocation
SectorValue
Government96.27%
Cash Equivalent3.73%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.26% Govt Stock 2029
Sovereign Bonds | -
27%₹399 Cr37,000,000
↑ 3,000,000
GOVT STOCK
Sovereign Bonds | -
18%₹261 Cr24,000,000
↑ 5,000,000
GOVT STOCK
Sovereign Bonds | -
18%₹254 Cr23,000,000
↓ -4,500,000
7.17% Govt Stock 2028
Sovereign Bonds | -
14%₹198 Cr18,500,000
7.59% Govt Stock 2026
Sovereign Bonds | -
11%₹159 Cr14,500,000
↑ 14,500,000
6.19% Govt Stock 2034
Sovereign Bonds | -
5%₹69 Cr6,971,300
↑ 6,971,300
5.79% Govt Stock 2030
Sovereign Bonds | -
3%₹50 Cr5,000,000
↑ 5,000,000
Triparty Repo
CBLO/Reverse Repo | -
2%₹28 Cr
Net Current Assets
Net Current Assets | -
2%₹26 Cr
7.95% Govt Stock 2032
Sovereign Bonds | -
0%₹6 Cr500,000

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 11.2% 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 (06 Aug 20) ₹32.2046 ↓ -0.08   (-0.24 %)
Net Assets (Cr) ₹1,452 on 30 Jun 20
Category Debt - Government Bond
AMC Nippon Life Asset Management Ltd.
Rating Not Rated
Risk Moderate
Expense Ratio 0.68
Sharpe Ratio 3.23
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 5.89%
Effective Maturity 8 Years 6 Months 7 Days
Modified Duration 6 Years 1 Month 13 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 15₹10,000
31 Jul 16₹11,405
31 Jul 17₹12,938
31 Jul 18₹13,138
31 Jul 19₹15,467
31 Jul 20₹17,373

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 ₹215,396.
Net Profit of ₹35,396
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 5 Aug 20

DurationReturns
1 Month 0.9%
3 Month 3%
6 Month 8.6%
1 Year 12.4%
3 Year 10.2%
5 Year 11.7%
10 Year
15 Year
Since launch 11.2%
Historical performance (Yearly) on absolute basis
YearReturns
2019 13.4%
2018 9.1%
2017 4.6%
2016 18.3%
2015 7.5%
2014 20.1%
2013
2012
2011
2010
Fund Manager information for Reliance Gilt Securities Fund - Direct
NameSinceTenure
Prashant Pimple30 Mar 0911.26 Yr.
Kinjal Desai16 Jul 181.96 Yr.

Data below for Reliance Gilt Securities Fund - Direct as on 30 Jun 20

Asset Allocation
Asset ClassValue
Cash3.73%
Debt96.27%
Debt Sector Allocation
SectorValue
Government96.27%
Cash Equivalent3.73%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.26% Govt Stock 2029
Sovereign Bonds | -
27%₹399 Cr37,000,000
↑ 3,000,000
GOVT STOCK
Sovereign Bonds | -
18%₹261 Cr24,000,000
↑ 5,000,000
GOVT STOCK
Sovereign Bonds | -
18%₹254 Cr23,000,000
↓ -4,500,000
7.17% Govt Stock 2028
Sovereign Bonds | -
14%₹198 Cr18,500,000
7.59% Govt Stock 2026
Sovereign Bonds | -
11%₹159 Cr14,500,000
↑ 14,500,000
6.19% Govt Stock 2034
Sovereign Bonds | -
5%₹69 Cr6,971,300
↑ 6,971,300
5.79% Govt Stock 2030
Sovereign Bonds | -
3%₹50 Cr5,000,000
↑ 5,000,000
Triparty Repo
CBLO/Reverse Repo | -
2%₹28 Cr
Net Current Assets
Net Current Assets | -
2%₹26 Cr
7.95% Govt Stock 2032
Sovereign Bonds | -
0%₹6 Cr500,000

3. UTI Short Term Income Fund - Direct

To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt.

UTI Short Term Income Fund - Direct is a Debt - Short term Bond fund was launched on 1 Jan 13. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch.  Return for 2019 was -3.5% , 2018 was 6.6% and 2017 was 6.6% .

Below is the key information for UTI Short Term Income Fund - Direct

UTI Short Term Income Fund - Direct
Growth
Launch Date 1 Jan 13
NAV (06 Aug 20) ₹23.636 ↓ -0.02   (-0.10 %)
Net Assets (Cr) ₹1,669 on 30 Jun 20
Category Debt - Short term Bond
AMC UTI Asset Management Company Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 0.38
Sharpe Ratio 4.3
Information Ratio -0.64
Alpha Ratio -1.27
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.59%
Effective Maturity 2 Years 11 Months 19 Days
Modified Duration 2 Years 7 Months 6 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 15₹10,000
31 Jul 16₹11,005
31 Jul 17₹12,041
31 Jul 18₹12,660
31 Jul 19₹12,155
31 Jul 20₹13,595

UTI Short Term Income 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 ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for UTI Short Term Income 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 5 Aug 20

DurationReturns
1 Month 0.9%
3 Month 4.8%
6 Month 6.9%
1 Year 11.8%
3 Year 4.1%
5 Year 6.3%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2019 -3.5%
2018 6.6%
2017 6.6%
2016 10.6%
2015 8.9%
2014 11.4%
2013
2012
2011
2010
Fund Manager information for UTI Short Term Income Fund - Direct
NameSinceTenure
Sudhir Agarwal25 Oct 127.69 Yr.

Data below for UTI Short Term Income Fund - Direct as on 30 Jun 20

Asset Allocation
Asset ClassValue
Debt108.53%
Debt Sector Allocation
SectorValue
Government72.87%
Corporate35.66%
Credit Quality
RatingValue
A6.68%
AAA93.32%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.68% Govt Stock 2023
Sovereign Bonds | -
20%₹327 Cr3,000,000,000
↑ 1,000,000,000
Net Current Assets
Net Current Assets | -
11%-₹190 Cr00
Power Finance Corporation Ltd.
Debentures | -
8%₹133 Cr1,300
↑ 500
Punjab National Bank
Debentures | -
7%₹124 Cr1,267
↓ -53
8.83% Govt Stock 2023
Sovereign Bonds | -
7%₹112 Cr1,000,000,000
GOVT STOCK
Sovereign Bonds | -
6%₹105 Cr1,000,000,000
↑ 500,000,000
HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED (HUDCO)
Debentures | -
6%₹104 Cr1,000
Larsen And Toubro Limited
Debentures | -
6%₹104 Cr1,000
Rural Electrification Corporation Limited
Debentures | -
6%₹103 Cr1,000
↑ 1,000
Grasim Industries Limited
Debentures | -
6%₹101 Cr1,000
↑ 1,000

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 9.4% 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 (06 Aug 20) ₹17.5512 ↓ -0.02   (-0.10 %)
Net Assets (Cr) ₹1,025 on 30 Jun 20
Category Debt - Banking & PSU Debt
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 0.19
Sharpe Ratio 4.61
Information Ratio 0
Alpha Ratio 0
Min Investment
Min SIP Investment
Exit Load NIL
Yield to Maturity 5.11%
Effective Maturity 3 Years 2 Months 17 Days
Modified Duration 2 Years 6 Months 25 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 15₹10,000
31 Jul 16₹10,968
31 Jul 17₹11,883
31 Jul 18₹12,465
31 Jul 19₹13,961
31 Jul 20₹15,542

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 ₹209,201.
Net Profit of ₹29,201
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 5 Aug 20

DurationReturns
1 Month 0.8%
3 Month 3.5%
6 Month 5.7%
1 Year 11.1%
3 Year 9.3%
5 Year 9.2%
10 Year
15 Year
Since launch 9.4%
Historical performance (Yearly) on absolute basis
YearReturns
2019 11.6%
2018 7.3%
2017 6.8%
2016 10.2%
2015 7.9%
2014
2013
2012
2011
2010
Fund Manager information for Franklin India Banking And PSU Debt Fund - Direct
NameSinceTenure
Sachin Padwal-Desai25 Apr 146.19 Yr.
Umesh Sharma25 Apr 146.19 Yr.
Pyari Menon26 Sep 190.76 Yr.

Data below for Franklin India Banking And PSU Debt Fund - Direct as on 30 Jun 20

Asset Allocation
Asset ClassValue
Cash29.27%
Debt67.48%
Other3.25%
Debt Sector Allocation
SectorValue
Government53.84%
Corporate39.03%
Cash Equivalent3.89%
Credit Quality
RatingValue
AA1.53%
AAA98.47%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Housing Bank
Debentures | -
8%₹80 Cr750
Andhra Bank
Certificate of Deposit | -
7%₹73 Cr7,500
POWER FINANCE CORPORATION LIMITED
Debentures | -
6%₹62 Cr560
ICICI BANK LIMITED
Certificate of Deposit | -
6%₹60 Cr6,000
5.22% GOI 2025
Sovereign Bonds | -
5%₹50 Cr5,000,000
↑ 5,000,000
Bank Of Baroda
Certificate of Deposit | -
5%₹50 Cr5,000
National Bank For Agriculture And Rural Development
Certificate of Deposit | -
5%₹48 Cr5,000
↑ 5,000
Export-Import Bank Of India
Debentures | -
4%₹43 Cr400
Rural Electrification Corporation Limited
Debentures | -
4%₹37 Cr350
Call, Cash & Other Assets
Receivables | -
3%₹33 Cr

5. 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 9.2% 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 (06 Aug 20) ₹30.0267 ↓ -0.01   (-0.03 %)
Net Assets (Cr) ₹764 on 30 Jun 20
Category Debt - Dynamic Bond
AMC Nippon Life Asset Management Ltd.
Rating Not Rated
Risk Moderate
Expense Ratio 1.18
Sharpe Ratio 2.45
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 6.37%
Effective Maturity 9 Years 7 Months 2 Days
Modified Duration 6 Years 9 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 15₹10,000
31 Jul 16₹11,208
31 Jul 17₹12,364
31 Jul 18₹12,402
31 Jul 19₹13,979
31 Jul 20₹15,476

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 ₹209,201.
Net Profit of ₹29,201
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 5 Aug 20

DurationReturns
1 Month 1.5%
3 Month 3.2%
6 Month 8.7%
1 Year 10.9%
3 Year 7.6%
5 Year 9.2%
10 Year
15 Year
Since launch 9.2%
Historical performance (Yearly) on absolute basis
YearReturns
2019 9.2%
2018 5.5%
2017 3.8%
2016 14.7%
2015 6.4%
2014 16%
2013
2012
2011
2010
Fund Manager information for Reliance Dynamic Bond Fund - Direct
NameSinceTenure
Prashant Pimple1 Dec 0415.59 Yr.
Vivek Sharma25 Jun 200.02 Yr.
Kinjal Desai25 May 182.1 Yr.

Data below for Reliance Dynamic Bond Fund - Direct as on 30 Jun 20

Asset Allocation
Asset ClassValue
Cash3.47%
Debt96.53%
Debt Sector Allocation
SectorValue
Government96.53%
Cash Equivalent3.47%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
07.83 MH SDL 2030
Sovereign Bonds | -
24%₹180 Cr16,500,000
↑ 10,000,000
06.60 TN SDL 2030
Sovereign Bonds | -
16%₹121 Cr12,000,000
↑ 12,000,000
07.17 GJ SDL 2030
Sovereign Bonds | -
14%₹104 Cr10,000,000
06.58 KA SDL 2030
Sovereign Bonds | -
10%₹75 Cr7,500,000
↑ 7,500,000
07.09 KA SDL 2030
Sovereign Bonds | -
7%₹57 Cr5,500,000
↑ 500,000
07.60 MH SDL 2030
Sovereign Bonds | -
6%₹43 Cr4,000,000
07.75 TN SDL 2030
Sovereign Bonds | -
5%₹38 Cr3,500,000
Triparty Repo
CBLO/Reverse Repo | -
5%₹36 Cr
06.97 KA SDL 2030
Sovereign Bonds | -
5%₹36 Cr3,500,000
↑ 3,500,000
07.91 KL SDL 2030
Sovereign Bonds | -
4%₹27 Cr2,500,000

6. 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 10.2% 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 (06 Aug 20) ₹49.771 ↓ -0.15   (-0.31 %)
Net Assets (Cr) ₹698 on 30 Jun 20
Category Debt - Government Bond
AMC UTI Asset Management Company Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 0.69
Sharpe Ratio 2.27
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.08%
Effective Maturity 8 Years 5 Months 7 Days
Modified Duration 5 Years 10 Months 28 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 15₹10,000
31 Jul 16₹11,071
31 Jul 17₹12,676
31 Jul 18₹12,734
31 Jul 19₹14,729
31 Jul 20₹16,246

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 ₹212,284.
Net Profit of ₹32,284
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 5 Aug 20

DurationReturns
1 Month 0.8%
3 Month 2.8%
6 Month 8.2%
1 Year 10.5%
3 Year 8.5%
5 Year 10.2%
10 Year
15 Year
Since launch 10.2%
Historical performance (Yearly) on absolute basis
YearReturns
2019 12.1%
2018 6.6%
2017 4.5%
2016 15.8%
2015 6.4%
2014 20%
2013
2012
2011
2010
Fund Manager information for UTI Gilt Advantage Fund- LTP - Direct
NameSinceTenure
Amandeep Chopra1 Feb 128.42 Yr.

Data below for UTI Gilt Advantage Fund- LTP - Direct as on 30 Jun 20

Asset Allocation
Asset ClassValue
Cash17.21%
Debt82.79%
Debt Sector Allocation
SectorValue
Government82.79%
Cash Equivalent17.21%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
GOVT STOCK
Sovereign Bonds | -
21%₹150 Cr1,450,000,000
Net Current Assets
Net Current Assets | -
17%₹120 Cr00
5.79% Govt Stock 2030
Sovereign Bonds | -
17%₹119 Cr1,200,000,000
↑ 450,000,000
6.19% Govt Stock 2034
Sovereign Bonds | -
14%₹99 Cr1,000,000,000
↑ 950,000,000
7.26% Govt Stock 2029
Sovereign Bonds | -
14%₹97 Cr900,000,000
GOVT STOCK
Sovereign Bonds | -
12%₹82 Cr750,000,000
8.13% Govt Stock 2045
Sovereign Bonds | -
3%₹18 Cr150,000,000
GOVT STOCK
Sovereign Bonds | -
2%₹11 Cr100,000,000
↓ -1,000,000,000
07.24 AS SDL 2030
Sovereign Bonds | -
0%₹2 Cr17,910,000

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 8.6% 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 (06 Aug 20) ₹36.8392 ↓ -0.01   (-0.02 %)
Net Assets (Cr) ₹9,331 on 30 Jun 20
Category Debt - Floating Rate
AMC HDFC Asset Management Company Limited
Rating Not Rated
Risk Moderately Low
Expense Ratio 0.28
Sharpe Ratio 4.61
Information Ratio 1.18
Alpha Ratio 8.06
Min Investment
Min SIP Investment
Exit Load NIL
Yield to Maturity 6.21%
Effective Maturity 1 Year 4 Months 22 Days
Modified Duration 1 Year 28 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 15₹10,000
31 Jul 16₹10,896
31 Jul 17₹11,779
31 Jul 18₹12,547
31 Jul 19₹13,621
31 Jul 20₹14,899

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 5 Aug 20

DurationReturns
1 Month 0.9%
3 Month 3.5%
6 Month 5.2%
1 Year 9.3%
3 Year 8.1%
5 Year 8.3%
10 Year
15 Year
Since launch 8.6%
Historical performance (Yearly) on absolute basis
YearReturns
2019 8.7%
2018 7.4%
2017 7%
2016 9.1%
2015 8.9%
2014 9.5%
2013
2012
2011
2010
Fund Manager information for HDFC Floating Rate Income Fund - Short Term Plan - Direct
NameSinceTenure
Shobhit Mehrotra16 Feb 0416.38 Yr.
Chirag Dagli31 Jul 190.92 Yr.
Vikash Agarwal1 Jul 200 Yr.

Data below for HDFC Floating Rate Income Fund - Short Term Plan - Direct as on 30 Jun 20

Asset Allocation
Asset ClassValue
Cash36.43%
Debt63.57%
Debt Sector Allocation
SectorValue
Corporate55.84%
Cash Equivalent21.52%
Government21.39%
Securitized1.24%
Credit Quality
RatingValue
A4.32%
AA13.42%
AAA82.26%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.59% Govt Stock 2026
Sovereign Bonds | -
4%₹441 Cr40,000,000
↓ -7,500,000
6.79% Govt Stock 2027
Sovereign Bonds | -
4%₹413 Cr39,000,000
↑ 500,000
NABHA POWER LIMITED
Debentures | -
3%₹378 Cr3,705
Treps - Tri-Party Repo
CBLO/Reverse Repo | -
3%₹360 Cr
Axis Bank Limited
Certificate of Deposit | -
3%₹351 Cr35,000
Tata Teleservices Limited
Commercial Paper | -
3%₹336 Cr7,000
Tata Motors Limited
Commercial Paper | -
3%₹294 Cr6,000
Union Bank Of India
Debentures | -
3%₹287 Cr2,850
Reliance Ports And Terminals Limited
Debentures | -
3%₹274 Cr2,570
National Bank For Agriculture And Rural Development
Certificate of Deposit | -
2%₹270 Cr27,500

8. 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 9.6% 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 (06 Aug 20) ₹78.1019 ↓ -0.06   (-0.07 %)
Net Assets (Cr) ₹816 on 30 Jun 20
Category Debt - Corporate Bond
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 0.32
Sharpe Ratio 1.83
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 6.32%
Effective Maturity 2 Years 8 Months 15 Days
Modified Duration 2 Years 2 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 15₹10,000
31 Jul 16₹10,848
31 Jul 17₹12,032
31 Jul 18₹12,762
31 Jul 19₹14,148
31 Jul 20₹15,411

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 ₹209,201.
Net Profit of ₹29,201
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 5 Aug 20

DurationReturns
1 Month 0.8%
3 Month 4.1%
6 Month 3.9%
1 Year 8.8%
3 Year 8.6%
5 Year 9%
10 Year
15 Year
Since launch 9.6%
Historical performance (Yearly) on absolute basis
YearReturns
2019 9.8%
2018 8.1%
2017 8.3%
2016 9.7%
2015 9.3%
2014 13.7%
2013
2012
2011
2010
Fund Manager information for Franklin India Income Builder Account - Plan A - Direct
NameSinceTenure
Sachin Padwal-Desai25 Oct 181.68 Yr.
Santosh Kamath1 Aug 181.92 Yr.
Umesh Sharma25 Oct 181.68 Yr.

Data below for Franklin India Income Builder Account - Plan A - Direct as on 30 Jun 20

Asset Allocation
Asset ClassValue
Cash6.37%
Debt90.2%
Other3.44%
Debt Sector Allocation
SectorValue
Corporate54.11%
Government38.49%
Cash Equivalent3.96%
Credit Quality
RatingValue
A0.76%
AA12.67%
AAA85.89%
Below B0.68%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Ports And Terminals Limited
Debentures | -
9%₹72 Cr687
Food Corporation Of India
Debentures | -
7%₹60 Cr550
Housing Development Finance Corporation Limited
Debentures | -
6%₹51 Cr500
ONGC PETRO ADDITIONS LIMITED
Debentures | -
5%₹45 Cr430
SHRIRAM TRANSPORT FINANCE COMPANY LIMITED
Debentures | -
5%₹43 Cr500
Coastal Gujarat Power Limited
Debentures | -
4%₹32 Cr310
Call, Cash & Other Assets
Receivables | -
3%₹28 Cr
ONGC PETRO ADDITIONS LIMITED
Debentures | -
3%₹27 Cr264
National Bank For Agriculture And Rural Development
Debentures | -
3%₹26 Cr250
National Highways Authority Of India
Debentures | -
3%₹26 Cr250

9. UTI Treasury Advantage Fund - Direct

The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations.

UTI Treasury Advantage Fund - Direct is a Debt - Low Duration fund was launched on 1 Jan 13. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.9% since its launch.  Return for 2019 was -4.1% , 2018 was 7.5% and 2017 was 7.2% .

Below is the key information for UTI Treasury Advantage Fund - Direct

UTI Treasury Advantage Fund - Direct
Growth
Launch Date 1 Jan 13
NAV (06 Aug 20) ₹2,574.6 ↓ -0.02   (0.00 %)
Net Assets (Cr) ₹1,865 on 30 Jun 20
Category Debt - Low Duration
AMC UTI Asset Management Company Ltd
Rating Not Rated
Risk Moderately Low
Expense Ratio 0.27
Sharpe Ratio 6.22
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 10,000
Exit Load NIL
Yield to Maturity 4.65%
Effective Maturity 11 Months 23 Days
Modified Duration 10 Months 20 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 15₹10,000
31 Jul 16₹10,899
31 Jul 17₹11,795
31 Jul 18₹12,587
31 Jul 19₹12,086
31 Jul 20₹13,125

UTI Treasury Advantage 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 ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for UTI Treasury Advantage 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 5 Aug 20

DurationReturns
1 Month 0.6%
3 Month 2.9%
6 Month 4.6%
1 Year 8.5%
3 Year 3.6%
5 Year 5.6%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2019 -4.1%
2018 7.5%
2017 7.2%
2016 9.1%
2015 8.9%
2014 9.5%
2013
2012
2011
2010
Fund Manager information for UTI Treasury Advantage Fund - Direct
NameSinceTenure
Sudhir Agarwal1 Mar 119.34 Yr.

Data below for UTI Treasury Advantage Fund - Direct as on 30 Jun 20

Asset Allocation
Asset ClassValue
Cash50.76%
Debt49.24%
Debt Sector Allocation
SectorValue
Corporate39.99%
Cash Equivalent28.22%
Government24.16%
Securitized7.63%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
15%₹276 Cr00
HDFC BANK LIMITED
Certificate of Deposit | -
7%₹125 Cr1,250,000,000
National Highways Authority Of India
Debentures | -
6%₹114 Cr1,100
Rent a Device Trust
Unlisted bonds | -
6%₹111 Cr919
Reliance Ports And Terminals Limited
Debentures | -
5%₹99 Cr950
↑ 300
91 DTB 03092020
Sovereign Bonds | -
5%₹99 Cr1,000,000,000
↑ 1,000,000,000
Power Finance Corporation Ltd.
Debentures | -
4%₹72 Cr700
↓ -700
Mahindra & Mahindra Financial Services Ltd
Debentures | -
3%₹55 Cr550
↑ 550
7.68% Govt Stock 2023
Sovereign Bonds | -
3%₹55 Cr500,000,000
7.16% Govt Stock 2023
Sovereign Bonds | -
3%₹54 Cr500,000,000

10. 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 8.5% 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 (06 Aug 20) ₹39.0118 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹1,301 on 30 Jun 20
Category Debt - Money Market
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating Not Rated
Risk Moderately Low
Expense Ratio 0.15
Sharpe Ratio 8.1
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 4.2%
Effective Maturity 5 Months 30 Days
Modified Duration 5 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 15₹10,000
31 Jul 16₹10,885
31 Jul 17₹11,751
31 Jul 18₹12,568
31 Jul 19₹13,686
31 Jul 20₹14,748

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 5 Aug 20

DurationReturns
1 Month 0.5%
3 Month 2.1%
6 Month 4%
1 Year 7.6%
3 Year 7.9%
5 Year 8.1%
10 Year
15 Year
Since launch 8.5%
Historical performance (Yearly) on absolute basis
YearReturns
2019 8.6%
2018 7.7%
2017 7.3%
2016 8.5%
2015 9%
2014 9.5%
2013
2012
2011
2010
Fund Manager information for Franklin India Savings Plus Fund Retail Option - Direct
NameSinceTenure
Umesh Sharma25 Oct 181.68 Yr.
Pallab Roy6 Jun 0812.08 Yr.

Data below for Franklin India Savings Plus Fund Retail Option - Direct as on 30 Jun 20

Asset Allocation
Asset ClassValue
Cash88.91%
Debt7.49%
Other3.6%
Debt Sector Allocation
SectorValue
Corporate48.53%
Cash Equivalent34.76%
Government13.11%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kotak Mahindra Prime Limited
Commercial Paper | -
9%₹123 Cr2,500
↓ -1,000
Export-Import Bank Of India
Commercial Paper | -
8%₹99 Cr2,000
Bank Of Baroda
Certificate of Deposit | -
8%₹98 Cr10,000
Fullerton India Credit Company Ltd
Commercial Paper | -
8%₹98 Cr2,000
Reliance Jio Infocomm Limited
Commercial Paper | -
7%₹97 Cr2,000
Hero Fincorp Limited
Commercial Paper | -
6%₹79 Cr1,600
↓ -2,000
L & T Infrastructure Finance Company Limited
Commercial Paper | -
6%₹73 Cr1,500
↓ -500
91 DTB 16072020
Sovereign Bonds | -
4%₹50 Cr5,000,000
↑ 5,000,000
Housing Development Finance Corporation Limited
Commercial Paper | -
4%₹49 Cr1,000
Bank Of Baroda
Certificate of Deposit | -
4%₹49 Cr5,000

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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