Table of Contents
এফডি বনাম ডেট মিউচুয়াল ফান্ড
FD বনামঋণ তহবিল? ভাবনাযেখানে বিনিয়োগ করতে হবে আপনার সঞ্চয় ভাল আয় উপার্জন. সাধারণত, মানুষ বিবেচনাবিনিয়োগ ফিক্সড ডিপোজিট বা FD-এ সবচেয়ে সুবিধাজনক বিকল্প কারণ এটি নিরাপদ এবং নির্দিষ্ট রিটার্ন অফার করে। কিন্তু এটা কি সেরা উপায়? যদিও ফিক্সড ডিপোজিট সকলের জন্য একটি সহজ বিনিয়োগের বিকল্প, যাইহোক, একটি ঋণ তহবিলের তুলনায় স্থায়ী আমানতের আয় করযোগ্য হওয়ার তুলনায় অনেক কম। অধিকন্তু, একটি দীর্ঘ সময়ের জন্য অনুষ্ঠিত হলে, ঋণযৌথ পুঁজি ভাল রিটার্ন অফার. ডেট মিউচুয়াল ফান্ড বা স্থায়ী আমানতে বিনিয়োগ করার চূড়ান্ত সিদ্ধান্ত নেওয়ার আগে, এই বিনিয়োগগুলির বিশদ তুলনার মাধ্যমে যান।
সংক্ষেপে:
ডেট মিউচুয়াল ফান্ড (ডেট ফান্ড) বনাম ফিক্সড ডিপোজিট (এফডি)
আমাদের একটি ঝুঁকি নেওয়ার ক্ষমতা এবং এর উদ্দেশ্যযুক্ত হোল্ডিং পিরিয়ডের দ্বারা এটি ভেঙে ফেলা দরকারবিনিয়োগকারী প্রশ্নে.
সংক্ষিপ্ত হোল্ডিং পিরিয়ড (1 বছর বা তার কম)
এখানে ঋণ তহবিলের বিকল্পগুলি সীমাবদ্ধ থাকবেতরল তহবিল, অতি-স্বল্পমেয়াদী তহবিল এবং স্বল্পমেয়াদীআয় তহবিল যদিও রিটার্ন বা ফলন সাধারণত তরল থেকে অতি-স্বল্প থেকে স্বল্প মেয়াদী তহবিলে বেশি হয়, এই ঋণ তহবিল এবং একটি স্থায়ী আমানতের মধ্যে লাভের পার্থক্য গত এক বছরে তাদের আয় বিবেচনা করে নির্ধারণ করা যেতে পারে।
ডেট মিউচুয়াল ফান্ড (বিভাগের গড় রিটার্ন)
| ডেট মিউচুয়াল ফান্ডের ধরন | গত ১ বছর। রিটার্ন (%) |
|---|---|
| তরল তহবিল | 7.36 |
| অতি স্বল্পমেয়াদী ঋণ তহবিল | 9.18 |
| স্বল্পমেয়াদী ঋণ তহবিল | ৯.৭৮ |
| ডায়নামিক ডেট ফান্ড | 13.89 |
| দীর্ঘমেয়াদী ঋণ তহবিল | 13.19 |
| গিল্ট স্বল্পমেয়াদী তহবিল | 11.76 |
| গিল্ট দীর্ঘমেয়াদী তহবিল | 15.06 |
| 20 ফেব্রুয়ারী 2017 তারিখের ডেটা |
ফিক্সড ডিপোজিট বা FD গড় রিটার্ন রেট
ফিক্সড ডিপোজিটের গড় রিটার্ন রেট 8-8.5% p.a থেকে। 2016 সালে (তাই কেউ টেবিলে উপরের আয়ের তুলনা করতে পারে)। যাইহোক, গত এক বছরে, রিটার্ন রেট 6.6-7.5% p.a-এ নেমে এসেছে।
উপরের দৃষ্টান্তের মাধ্যমে, এটা স্পষ্ট যে ঋণ তহবিলের গড় ফেরতের হার স্থায়ী আমানতের তুলনায় ভাল।
Talk to our investment specialist
দীর্ঘমেয়াদী হোল্ডিং পিরিয়ড
একটি দীর্ঘ অভিপ্রেত হোল্ডিং সময়ের সাথে, ঋণ তহবিল FD-এর চেয়ে ভাল প্রমাণিত হতে পারে।
এখানে বিনিয়োগের বিকল্পগুলি হ'ল:
- দীর্ঘমেয়াদী আয় তহবিল
- দীর্ঘমেয়াদী গিল্ট,
- কর্পোরেটবন্ধন তহবিল (উচ্চ ফলন তহবিল), তরল উপরে উল্লিখিত বিকল্পগুলি ছাড়াও, অতি-স্বল্প এবং স্বল্পমেয়াদী তহবিলগুলিও ব্যবহার করা যেতে পারে।
প্রদত্ত যে হোল্ডিং সময়কাল 3 বছর বা তার বেশি হতে পারে, আমরা নিম্নলিখিত বলতে পারি:
- সঙ্গেমূলধন ইনডেক্সেশন সুবিধার সাথে 20% হারে লাভ ট্যাক্স, নেট ট্যাক্সের ঘটনা ন্যূনতম হবে (তবে ট্যাক্সের বছরের প্রদত্ত ট্যাক্সের ঘটনা গণনা করা উচিত)
- দীর্ঘমেয়াদী আয় তহবিল/গিল্ট ফান্ড উচ্চ ফলন সহ এবং অতিরিক্তভাবে, যদি সুদের হার নিচে চলে যায় তবে খুব বেশি রিটার্ন দেবে।
- এই ঋণ তহবিলগুলির সাথে একজন উচ্চ দ্বিগুণ অঙ্কের রিটার্নের সাথে শেষ হতে পারে।
দীর্ঘমেয়াদী আয় তহবিলে আয়ের নীচের উদাহরণ নিন, বিভাগের জন্য গত 1-বছরের গড় রিটার্ন হল 12.19% এবং শেষ 3 বছরে 10.32% p.a। এই সময়ের মধ্যে কোনো FD একই রকম রিটার্ন দিতে পারেনি। গিল্ট ফান্ডের রিটার্ন আরও বেশি। একই সময়ে, বেশিরভাগ ব্যাঙ্কে গত বছর FD রেট বার্ষিক 8-8.5%-এর কাছাকাছি হত, (যদিও আজ হার আরও কমে 6.5 - 7.5% হয়েছে)
সুতরাং একজন বিনিয়োগকারীর দীর্ঘমেয়াদী হোল্ডিং পিরিয়ড এবং সুদের হার কমে যাওয়ায়, একটি ঋণ তহবিল (দীর্ঘমেয়াদী আয় বা গিল্ট) একটি FD থেকে অনেক ভালো রিটার্ন দেবে। এমনকি সুদের হার না কমার ক্ষেত্রেও, উচ্চ ফলন কর্পোরেট বন্ড তহবিল একই সময়ের মধ্যে FD-কে পরাজিত করবে।
ঋণ মিউচুয়াল ফান্ড এবং স্থায়ী আমানতের উপর কর
ঋণ তহবিল এবং স্থায়ী আমানতের আয় নির্ধারণের ক্ষেত্রেও কর ব্যবস্থা একটি গুরুত্বপূর্ণ ভূমিকা পালন করে। সাধারণত, স্থায়ী আমানতের উপর কর 33% (করের প্রান্তিক হার) হয় যখন ঋণ তহবিলে কেউ যদি 3 বছরের কম ভিউ নিয়ে বিনিয়োগ করে তবে ডিডিটি (লভ্যাংশ বন্টন কর) কেটে নেওয়া হলে লভ্যাংশ বন্টন কর আরোপ করা একটি ভাল বিকল্প হবে। আনুমানিক 25% (+সারচার্জ ইত্যাদি)। এটি দেখায় যে ডেট মিউচুয়াল ফান্ডের উপর ট্যাক্সেশন ফিক্সড ডিপোজিটের তুলনায় তুলনামূলকভাবে কম।
ঋণ তহবিলের সাথে আসা অতিরিক্ত সুবিধাগুলি হল:
- তারল্য: থেকে 1-2 দিনের মধ্যে টাকা উপলব্ধমুক্তি
- পেশাদার ব্যবস্থাপনা: গতিশীলভাবে কৌশল পরিবর্তন করার এবং বাজারের সুবিধা নেওয়ার ক্ষমতা
- কোন অকাল প্রত্যাহার জরিমানা.
সংক্ষেপে:
| পরামিতি | যৌথ পুঁজি | ফিক্সড ডিপোজিট |
|---|---|---|
| রিটার্নের হার | কোনো নিশ্চিত রিটার্ন নেই | ফিক্সড রিটার্ন |
| মুদ্রাস্ফীতি সামঞ্জস্যপূর্ণ রিটার্ন | উচ্চ মূল্যস্ফীতি সামঞ্জস্যপূর্ণ রিটার্নের সম্ভাবনা | সাধারণত নিম্ন মুদ্রাস্ফীতি সমন্বয় রিটার্ন |
| ঝুঁকি | নিম্ন থেকে উচ্চ ঝুঁকি (তহবিলের উপর নির্ভর করে | ঝুঁকি কম |
| তারল্য | তরল | তরল |
| অকাল প্রত্যাহার | এক্সিট লোড/নো লোড সহ অনুমোদিত | পেনাল্টি সহ অনুমোদিত |
| বিনিয়োগের খরচ | ব্যবস্থাপনা খরচ/ব্যয় অনুপাত | কোন খরচ |
শীর্ষ 8টি সেরা পারফর্মিং ডেট ফান্ড 2022৷
উপরে নিট সম্পদ/AUM থাকা ঋণ তহবিলের তালিকা নীচে দেওয়া হল1000 কোটি এবং 3 বছরের চক্রবৃদ্ধিতে বাছাই করা হয়েছে (CAGR) ফেরত দেয়।
The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to make regular dividend payments to unit holders & secondary objective is growth of capital. Aditya Birla Sun Life Medium Term Plan is a Debt - Medium term Bond fund was launched on 25 Mar 09. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Medium Term Plan Returns up to 1 year are on (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 Below is the key information for Nippon India Credit Risk Fund Returns up to 1 year are on 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 is a Debt - Low Duration fund was launched on 23 Apr 07. It is a fund with Moderately Low risk and has given a Below is the key information for UTI Treasury Advantage Fund Returns up to 1 year are on 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 is a Debt - Short term Bond fund was launched on 19 Sep 07. It is a fund with Moderate risk and has given a Below is the key information for UTI Short Term Income Fund Returns up to 1 year are on (Erstwhile Reliance Liquid Fund - Cash Plan) The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on The fund’s objective is to provide reasonable returns, by maintaining an optimum balance of safety, liquidity and yield, through investments in a basket of debt and money market instruments with a view to delivering consistent performance. However, there can be no assurance that the investment objective of the Scheme will be realized. ICICI Prudential Regular Savings Fund is a Debt - Credit Risk fund was launched on 3 Dec 10. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Regular Savings Fund Returns up to 1 year are on (Erstwhile SBI Corporate Bond Fund) The investment objective will be to actively manage a portfolio of good
quality corporate debt as well as Money Market Instruments so as to provide
reasonable returns and liquidity to the Unit holders. However there is no
guarantee or assurance that the investment objective of the scheme will
be achieved. SBI Credit Risk Fund is a Debt - Credit Risk fund was launched on 19 Jul 04. It is a fund with Moderate risk and has given a Below is the key information for SBI Credit Risk Fund Returns up to 1 year are on An Open-ended income scheme with the objective to generate optimal returns with high liquidity through active management of the portfolio by investing in high quality debt and money market instruments. Aditya Birla Sun Life Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 27 Sep 04. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Dynamic Bond Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Medium Term Plan
CAGR/Annualized return of 8.5% since its launch. Ranked 6 in Medium term Bond category. Return for 2023 was 6.9% , 2022 was 24.8% and 2021 was 7.1% . Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (03 May 24) ₹34.4476 ↑ 0.02 (0.05 %) Net Assets (Cr) ₹1,863 on 31 Mar 24 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.52 Sharpe Ratio 0.3 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 8.07% Effective Maturity 6 Years 2 Months 26 Days Modified Duration 3 Years 9 Months 14 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹9,086 30 Apr 21 ₹10,682 30 Apr 22 ₹11,582 30 Apr 23 ₹14,187 30 Apr 24 ₹15,093 Returns for Aditya Birla Sun Life Medium Term Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 May 24 Duration Returns 1 Month 0.3% 3 Month 1.3% 6 Month 3.7% 1 Year 6.3% 3 Year 12.3% 5 Year 8.6% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.9% 2022 24.8% 2021 7.1% 2020 8.1% 2019 -4.4% 2018 5.6% 2017 7% 2016 10.9% 2015 9.5% 2014 12% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 9.59 Yr. Mohit Sharma 6 Aug 20 3.65 Yr. Dhaval Joshi 21 Nov 22 1.36 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 5.83% Equity 2.12% Debt 91.41% Other 0.64% Debt Sector Allocation
Sector Value Government 48.96% Corporate 42.45% Cash Equivalent 5.83% Credit Quality
Rating Value A 3.98% AA 32.4% AAA 63.62% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.26% Govt Stock 2033
Sovereign Bonds | -24% ₹447 Cr 44,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -8% ₹140 Cr 14,000,000
↓ -11,000,000 India (Republic of)
Sovereign Bonds | -6% ₹110 Cr 11,000,000
↑ 11,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -5% ₹100 Cr 10,000,000 JSW Steel Limited
Debentures | -3% ₹50 Cr 500 Belstar Investment And Finance Private Limited
Debentures | -3% ₹50 Cr 5,000 Creditaccess Grameen Limited
Debentures | -3% ₹50 Cr 500,000 Hinduja Housing Finance Limited 8.85%
Debentures | -2% ₹46 Cr 4,600 JM Financial Credit Solutions Limited
Debentures | -2% ₹44 Cr 440 Nexus Select Trust
Debentures | -2% ₹40 Cr 4,000 2. Nippon India Credit Risk Fund
CAGR/Annualized return of 6.3% since its launch. Ranked 21 in Credit Risk category. Return for 2023 was 7.9% , 2022 was 3.9% and 2021 was 13.5% . Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (03 May 24) ₹31.5948 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹1,024 on 31 Mar 24 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.64 Sharpe Ratio 2.07 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 9.02% Effective Maturity 2 Years 2 Months 16 Days Modified Duration 1 Year 10 Months 2 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹9,022 30 Apr 21 ₹9,851 30 Apr 22 ₹11,029 30 Apr 23 ₹11,659 30 Apr 24 ₹12,544 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 May 24 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.8% 1 Year 7.5% 3 Year 8.4% 5 Year 4.7% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.9% 2022 3.9% 2021 13.5% 2020 -5.9% 2019 1.9% 2018 6.1% 2017 7% 2016 10% 2015 8.8% 2014 11% Fund Manager information for Nippon India Credit Risk Fund
Name Since Tenure Kinjal Desai 25 May 18 5.86 Yr. Sushil Budhia 1 Feb 20 4.17 Yr. Data below for Nippon India Credit Risk Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 7.71% Debt 92.04% Other 0.25% Debt Sector Allocation
Sector Value Corporate 81.82% Government 10.21% Cash Equivalent 7.71% Credit Quality
Rating Value A 25.33% AA 47.1% AAA 27.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity Summit Digitel Infrastructure Limited
Debentures | -6% ₹60 Cr 620 JSW Steel Limited
Debentures | -5% ₹55 Cr 550 7.1% Govt Stock 2029
Sovereign Bonds | -5% ₹50 Cr 5,000,000 7.06% Govt Stock 2028
Sovereign Bonds | -5% ₹50 Cr 5,000,000 Indinfravit Trust
Debentures | -5% ₹49 Cr 5,000 Godrej Properties Limited
Debentures | -4% ₹45 Cr 4,500 Greenlam Industries Limited
Debentures | -4% ₹44 Cr 450 Prestige Projects Private Limited 11.75%
Debentures | -4% ₹40 Cr 4,000 Shriram Housing Finance Limited 9.25%
Debentures | -4% ₹40 Cr 4,000
↑ 4,000 DLF Cyber City Developers Limited 8.4%
Debentures | -4% ₹40 Cr 4,000 3. UTI Treasury Advantage Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 15 in Low Duration category. Return for 2023 was 7.1% , 2022 was 4.5% and 2021 was 9% . UTI Treasury Advantage Fund
Growth Launch Date 23 Apr 07 NAV (03 May 24) ₹3,245.85 ↑ 1.00 (0.03 %) Net Assets (Cr) ₹2,672 on 31 Mar 24 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.44 Sharpe Ratio 1.13 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.84% Effective Maturity 1 Year 2 Months 23 Days Modified Duration 1 Year 29 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹9,544 30 Apr 21 ₹10,142 30 Apr 22 ₹11,053 30 Apr 23 ₹11,682 30 Apr 24 ₹12,522 Returns for UTI Treasury Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 May 24 Duration Returns 1 Month 0.5% 3 Month 1.9% 6 Month 3.7% 1 Year 7.2% 3 Year 7.3% 5 Year 4.6% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.1% 2022 4.5% 2021 9% 2020 7.3% 2019 -4.2% 2018 7.3% 2017 7% 2016 8.9% 2015 8.8% 2014 9.3% Fund Manager information for UTI Treasury Advantage Fund
Name Since Tenure Anurag Mittal 1 Dec 21 2.33 Yr. Data below for UTI Treasury Advantage Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 51.35% Debt 48.34% Other 0.31% Debt Sector Allocation
Sector Value Corporate 53.06% Cash Equivalent 32.53% Government 14.1% Credit Quality
Rating Value AA 5.94% AAA 94.06% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹100 Cr 10,000 Power Finance Corporation Limited
Debentures | -4% ₹98 Cr 1,000
↑ 1,000 Canara Bank
Domestic Bonds | -3% ₹94 Cr 1,000,000,000
↑ 1,000,000,000 ICICI Bank Ltd.
Debentures | -3% ₹71 Cr 750,000,000 Rural Electrification Corporation Limited
Debentures | -2% ₹55 Cr 5,500 Small Industries Development Bank Of India
Debentures | -2% ₹50 Cr 5,000 Rural Electrification Corporation Limited
Debentures | -2% ₹50 Cr 5,000 Nirma Limited
Debentures | -2% ₹50 Cr 5,000 National Housing Bank
Debentures | -2% ₹50 Cr 500 Small Industries Development Bank Of India
Debentures | -2% ₹50 Cr 500
↑ 500 4. UTI Short Term Income Fund
CAGR/Annualized return of 6.6% since its launch. Ranked 10 in Short term Bond category. Return for 2023 was 6.9% , 2022 was 3.8% and 2021 was 8.4% . UTI Short Term Income Fund
Growth Launch Date 19 Sep 07 NAV (03 May 24) ₹28.895 ↑ 0.02 (0.06 %) Net Assets (Cr) ₹2,689 on 31 Mar 24 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.95 Sharpe Ratio 0.88 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.51% Effective Maturity 3 Years 8 Months 5 Days Modified Duration 2 Years 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹9,660 30 Apr 21 ₹10,472 30 Apr 22 ₹11,361 30 Apr 23 ₹11,965 30 Apr 24 ₹12,806 Returns for UTI Short Term Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 May 24 Duration Returns 1 Month 0.4% 3 Month 1.7% 6 Month 3.9% 1 Year 7% 3 Year 6.9% 5 Year 5.1% 10 Year 15 Year Since launch 6.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.9% 2022 3.8% 2021 8.4% 2020 10.5% 2019 -3.9% 2018 6% 2017 6.1% 2016 10.1% 2015 8.3% 2014 10.9% Fund Manager information for UTI Short Term Income Fund
Name Since Tenure Sudhir Agarwal 25 Oct 12 11.44 Yr. Data below for UTI Short Term Income Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 31.37% Debt 68.4% Other 0.22% Debt Sector Allocation
Sector Value Corporate 60.82% Cash Equivalent 22.34% Government 16.61% Credit Quality
Rating Value AA 7.05% AAA 92.95% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -8% ₹226 Cr 22,500 LIC Housing Finance Limited
Debentures | -8% ₹224 Cr 2,250 Power Finance Corporation Ltd.
Debentures | -7% ₹201 Cr 20,000 Small Industries Development Bank of India
Debentures | -7% ₹200 Cr 20,000 Union Bank of India
Domestic Bonds | -7% ₹187 Cr 2,000,000,000 Rural Electrification Corporation Limited
Debentures | -6% ₹156 Cr 15,500
↓ -2,500 182 DTB 29082024
Sovereign Bonds | -5% ₹146 Cr 1,500,000,000
↓ -2,000,000,000 Kotak Mahindra Bank Ltd.
Debentures | -3% ₹94 Cr 1,000,000,000
↑ 1,000,000,000 India Grid TRust
Debentures | -3% ₹75 Cr 750 Shriram Finance Limited
Debentures | -3% ₹70 Cr 7,000 5. Nippon India Ultra Short Duration Fund
CAGR/Annualized return of 6% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2023 was 6.7% , 2022 was 4.6% and 2021 was 7.8% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (03 May 24) ₹3,714.39 ↑ 0.82 (0.02 %) Net Assets (Cr) ₹4,332 on 31 Mar 24 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.17 Sharpe Ratio -0.34 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.89% Effective Maturity 5 Months 25 Days Modified Duration 5 Months 7 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,044 30 Apr 21 ₹10,589 30 Apr 22 ₹11,393 30 Apr 23 ₹12,019 30 Apr 24 ₹12,854 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 May 24 Duration Returns 1 Month 0.5% 3 Month 1.9% 6 Month 3.5% 1 Year 6.9% 3 Year 6.7% 5 Year 5.2% 10 Year 15 Year Since launch 6% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.7% 2022 4.6% 2021 7.8% 2020 4.9% 2019 0.9% 2018 7.3% 2017 5.8% 2016 6.8% 2015 7.6% 2014 8.4% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 10.51 Yr. Kinjal Desai 25 May 18 5.86 Yr. Akshay Sharma 1 Dec 22 1.33 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 47.75% Debt 52% Other 0.25% Debt Sector Allocation
Sector Value Corporate 56.71% Cash Equivalent 23.16% Government 19.88% Credit Quality
Rating Value AA 16.26% AAA 83.74% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -9% ₹486 Cr 50,000,000 182 DTB 22082024
Sovereign Bonds | -5% ₹288 Cr 29,500,000
↑ 19,500,000 Power Finance Corporation Limited
Debentures | -4% ₹216 Cr 2,150
↑ 1,150 Indinfravit Trust
Debentures | -4% ₹215 Cr 22,000 Punjab National Bank
Domestic Bonds | -4% ₹198 Cr 4,000 Canara Bank
Domestic Bonds | -4% ₹198 Cr 4,000
↓ -1,500 Dlf Cyber City Developers Ltd
Debentures | -2% ₹138 Cr 1,390 Hdb Financial Services Limited
Debentures | -2% ₹118 Cr 1,000 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹116 Cr 1,150
↑ 500 India (Republic of)
- | -2% ₹102 Cr 10,500,000
↑ 10,500,000 6. ICICI Prudential Regular Savings Fund
CAGR/Annualized return of 8.2% since its launch. Ranked 26 in Credit Risk category. Return for 2023 was 7.2% , 2022 was 5.1% and 2021 was 6.2% . ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (03 May 24) ₹28.6702 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹7,187 on 31 Mar 24 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 1.16 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 8.73% Effective Maturity 4 Years 4 Days Modified Duration 2 Years 6 Months 18 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,850 30 Apr 21 ₹11,930 30 Apr 22 ₹12,657 30 Apr 23 ₹13,425 30 Apr 24 ₹14,393 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 May 24 Duration Returns 1 Month 0.2% 3 Month 1.2% 6 Month 3.9% 1 Year 7.1% 3 Year 6.4% 5 Year 7.6% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.2% 2022 5.1% 2021 6.2% 2020 9.8% 2019 9.5% 2018 6.6% 2017 6.8% 2016 9.5% 2015 9% 2014 11% Fund Manager information for ICICI Prudential Regular Savings Fund
Name Since Tenure Manish Banthia 7 Nov 16 7.4 Yr. Akhil Kakkar 22 Jan 24 0.19 Yr. Data below for ICICI Prudential Regular Savings Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 9.88% Equity 1.6% Debt 88.24% Other 0.28% Debt Sector Allocation
Sector Value Corporate 65.84% Government 17.43% Cash Equivalent 9.88% Securitized 4.96% Credit Quality
Rating Value A 15.66% AA 56.57% AAA 27.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -14% ₹1,000 Cr 99,942,330 Embassy Office Parks Reit
Unlisted bonds | -4% ₹299 Cr 8,456,117 Varroc Engineering Limited
Debentures | -3% ₹247 Cr 25,000 Ongc Petro Additions Limited
Debentures | -3% ₹224 Cr 2,250 Aadhar Housing Finance Ltd
Debentures | -2% ₹174 Cr 17,500 Nirma Limited
Debentures | -2% ₹150 Cr 15,000 Dlf Home Developers Limited
Debentures | -2% ₹150 Cr 15,000 Kalpataru Projects International Limited
Debentures | -2% ₹149 Cr 15,000 Aadharshila Infratech Pvt Ltd.
Debentures | -2% ₹148 Cr 15,000 7.06% Govt Stock 2028
Sovereign Bonds | -2% ₹139 Cr 13,930,750 7. SBI Credit Risk Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 3 in Credit Risk category. Return for 2023 was 8.3% , 2022 was 4.2% and 2021 was 5% . SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (03 May 24) ₹41.3598 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹2,506 on 31 Mar 24 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.95 Sharpe Ratio 0.94 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL) Yield to Maturity 8.49% Effective Maturity 2 Years 8 Months 12 Days Modified Duration 2 Years 14 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,622 30 Apr 21 ₹11,694 30 Apr 22 ₹12,260 30 Apr 23 ₹13,118 30 Apr 24 ₹14,000 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 May 24 Duration Returns 1 Month 0.4% 3 Month 1.7% 6 Month 3.7% 1 Year 6.7% 3 Year 6.2% 5 Year 7% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.3% 2022 4.2% 2021 5% 2020 9.8% 2019 6.5% 2018 6.2% 2017 6.9% 2016 10.5% 2015 9.7% 2014 10.6% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 7.17 Yr. Pradeep Kesavan 1 Dec 23 0.33 Yr. Adesh Sharma 1 Dec 23 0.33 Yr. Data below for SBI Credit Risk Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 10.66% Equity 2.2% Debt 86.85% Other 0.29% Debt Sector Allocation
Sector Value Corporate 71.02% Government 15.83% Cash Equivalent 10.66% Credit Quality
Rating Value A 10.13% AA 65.14% AAA 24.73% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.16% Govt Stock 2050
Sovereign Bonds | -5% ₹123 Cr 12,500,000 Aadhar Housing Finance Limited
Debentures | -5% ₹121 Cr 12,200 Nirma Limited
Debentures | -5% ₹115 Cr 11,500 India (Republic of) 7.1%
Sovereign Bonds | -4% ₹100 Cr 10,000,000
↑ 10,000,000 Jindal Stainless Limited
Debentures | -4% ₹88 Cr 900 Avanse Financial Services Limited
Debentures | -3% ₹80 Cr 8,000 Renserv Global Pvt Ltd.
Debentures | -3% ₹80 Cr 8,000 West Bengal (Government of) 7.52%
- | -3% ₹75 Cr 7,500,000 Ongc Petro Additions Limited
Debentures | -3% ₹75 Cr 7,500 JSW Steel Limited
Debentures | -3% ₹75 Cr 750 8. Aditya Birla Sun Life Dynamic Bond Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 16 in Dynamic Bond category. Return for 2023 was 6.9% , 2022 was 6% and 2021 was 4.9% . Aditya Birla Sun Life Dynamic Bond Fund
Growth Launch Date 27 Sep 04 NAV (03 May 24) ₹41.6039 ↑ 0.05 (0.13 %) Net Assets (Cr) ₹1,732 on 31 Mar 24 Category Debt - Dynamic Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.35 Sharpe Ratio 0.52 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-90 Days (0.5%),90 Days and above(NIL) Yield to Maturity 7.46% Effective Maturity 10 Years 9 Months 18 Days Modified Duration 6 Years 6 Months 7 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹9,919 30 Apr 21 ₹11,013 30 Apr 22 ₹11,409 30 Apr 23 ₹12,398 30 Apr 24 ₹13,148 Returns for Aditya Birla Sun Life Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 May 24 Duration Returns 1 Month 0.1% 3 Month 0.9% 6 Month 3.9% 1 Year 6.1% 3 Year 6.2% 5 Year 5.7% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.9% 2022 6% 2021 4.9% 2020 9.7% 2019 -0.9% 2018 5.7% 2017 2.2% 2016 14% 2015 7.4% 2014 14.8% Fund Manager information for Aditya Birla Sun Life Dynamic Bond Fund
Name Since Tenure Mohit Sharma 22 Mar 21 3.03 Yr. Bhupesh Bameta 6 Aug 20 3.65 Yr. Dhaval Joshi 21 Nov 22 1.36 Yr. Data below for Aditya Birla Sun Life Dynamic Bond Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 3.8% Debt 95.94% Other 0.27% Debt Sector Allocation
Sector Value Government 85.66% Corporate 9.99% Cash Equivalent 3.8% Securitized 0.28% Credit Quality
Rating Value AA 4.71% AAA 95.29% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2037
Sovereign Bonds | -41% ₹699 Cr 70,000,000
↑ 19,000,000 7.26% Govt Stock 2033
Sovereign Bonds | -23% ₹397 Cr 39,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -5% ₹90 Cr 9,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -5% ₹85 Cr 8,500,000
↓ -17,000,000 7.25% Govt Stock 2063
Sovereign Bonds | -3% ₹50 Cr 5,000,000 JM Financial Credit Solutions Limited
Debentures | -2% ₹40 Cr 400 HDFC Bank Limited
Debentures | -2% ₹40 Cr 4,000 7.17% Govt Stock 2030
Sovereign Bonds | -2% ₹30 Cr 3,000,000 Power Finance Corp Ltd. 7.6%
Debentures | -1% ₹25 Cr 2,500 Punjab National Bank
Debentures | -1% ₹24 Cr 240
এখানে প্রদত্ত তথ্য সঠিক কিনা তা নিশ্চিত করার জন্য সমস্ত প্রচেষ্টা করা হয়েছে। যাইহোক, তথ্যের সঠিকতা সম্পর্কে কোন গ্যারান্টি দেওয়া হয় না। কোনো বিনিয়োগ করার আগে স্কিমের তথ্য নথির সাথে যাচাই করুন।
You Might Also Like
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2024 Shepard Technologies Private Limited. All Rights Reserved