এসআইপি বিনিয়োগ 2022-এর জন্য সেরা মধ্যবর্তী ঋণ তহবিল

Updated on August 11, 2025 , 1741 views

মধ্যবর্তীবন্ড মধ্যমেয়াদী তহবিল নামেও পরিচিত এক ধরনের ঋণযৌথ পুঁজি যেগুলি 3 বছর বা তার বেশি সময়ের জন্য সময় দিগন্তের সাথে ঋণ সিকিউরিটিজে বিনিয়োগ করে। মধ্য-মেয়াদী তহবিলের গড় পরিপক্কতার সময়কাল তরল, অতি-স্বল্প এবং স্বল্প-মেয়াদীর চেয়ে বেশিঋণ তহবিল. সাম্প্রতিক সময়ে, ভারতে ধারাবাহিক হার কমানোর কারণে মাঝারি তহবিলগুলি সেরা রিটার্ন প্রদান করেছে। এই তহবিলগুলি সুদের হারের প্রতি কম সংবেদনশীল, এবং তাই দীর্ঘ মেয়াদী তহবিলের তুলনায় কম অস্থির হয়গিল্ট ফান্ড. সেরা ফলাফলের জন্য, বিনিয়োগকারীদের একটি মাধ্যমে সেরা মধ্যবর্তী ঋণ তহবিলে বিনিয়োগ করার পরামর্শ দেওয়া হয়চুমুক. বিনিয়োগকারীরা নীচের পূর্ব-তালিকাভুক্ত শীর্ষ রেটযুক্ত মধ্য-মেয়াদী ঋণ তহবিল থেকে সেরা পারফরমিং স্কিম বেছে নিতে পারেন।

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এসআইপিতে বিনিয়োগের জন্য শীর্ষ 5টি সেরা পারফর্মিং ইন্টারমিডিয়েট বা মিড টার্ম ডেট ফান্ড

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Aditya Birla Sun Life Medium Term Plan Growth	₹40.1906 ↓ -0.01	₹2,732	1,000	1.7	4.9	13.1	9.3	12.2	10.5
Nippon India Strategic Debt Fund Growth	₹15.8849 ↓ 0.00	₹100	100	3.1	6.4	10.5	8.2	8.6	8.3
Axis Strategic Bond Fund Growth	₹28.2159 ↓ -0.01	₹1,942	1,000	1.4	4.7	8.8	7.9	6.9	8.7
DSP Bond Fund Growth	₹82.478 ↓ -0.04	₹315	500	1.3	4.9	8.8	7.5	5.9	7.6
Kotak Medium Term Fund Growth	₹22.8957 ↑ 0.01	₹1,901	1,000	1.4	4.6	8.6	7.4	6.6	9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Aug 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Medium Term Plan	Nippon India Strategic Debt Fund	Axis Strategic Bond Fund	DSP Bond Fund	Kotak Medium Term Fund
Point 1	Highest AUM (₹2,732 Cr).	Bottom quartile AUM (₹100 Cr).	Upper mid AUM (₹1,942 Cr).	Bottom quartile AUM (₹315 Cr).	Lower mid AUM (₹1,901 Cr).
Point 2	Established history (16+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).	Oldest track record among peers (28 yrs).	Established history (11+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 13.09% (top quartile).	1Y return: 10.54% (upper mid).	1Y return: 8.78% (bottom quartile).	1Y return: 8.78% (lower mid).	1Y return: 8.61% (bottom quartile).
Point 6	1M return: 0.21% (top quartile).	1M return: 0.11% (lower mid).	1M return: 0.11% (bottom quartile).	1M return: 0.06% (bottom quartile).	1M return: 0.16% (upper mid).
Point 7	Sharpe: 3.02 (top quartile).	Sharpe: 1.51 (bottom quartile).	Sharpe: 2.09 (upper mid).	Sharpe: 1.61 (bottom quartile).	Sharpe: 1.95 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.52% (lower mid).	Yield to maturity (debt): 7.37% (bottom quartile).	Yield to maturity (debt): 7.66% (top quartile).	Yield to maturity (debt): 6.59% (bottom quartile).	Yield to maturity (debt): 7.65% (upper mid).
Point 10	Modified duration: 3.63 yrs (bottom quartile).	Modified duration: 3.42 yrs (bottom quartile).	Modified duration: 3.22 yrs (upper mid).	Modified duration: 3.28 yrs (lower mid).	Modified duration: 2.75 yrs (top quartile).

Aditya Birla Sun Life Medium Term Plan

Highest AUM (₹2,732 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 13.09% (top quartile).
1M return: 0.21% (top quartile).
Sharpe: 3.02 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.52% (lower mid).
Modified duration: 3.63 yrs (bottom quartile).

Nippon India Strategic Debt Fund

Bottom quartile AUM (₹100 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 10.54% (upper mid).
1M return: 0.11% (lower mid).
Sharpe: 1.51 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.37% (bottom quartile).
Modified duration: 3.42 yrs (bottom quartile).

Axis Strategic Bond Fund

Upper mid AUM (₹1,942 Cr).
Established history (13+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 8.78% (bottom quartile).
1M return: 0.11% (bottom quartile).
Sharpe: 2.09 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.66% (top quartile).
Modified duration: 3.22 yrs (upper mid).

DSP Bond Fund

Bottom quartile AUM (₹315 Cr).
Oldest track record among peers (28 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.78% (lower mid).
1M return: 0.06% (bottom quartile).
Sharpe: 1.61 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.59% (bottom quartile).
Modified duration: 3.28 yrs (lower mid).

Kotak Medium Term Fund

Lower mid AUM (₹1,901 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.61% (bottom quartile).
1M return: 0.16% (upper mid).
Sharpe: 1.95 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.65% (upper mid).
Modified duration: 2.75 yrs (top quartile).

1. Aditya Birla Sun Life Medium Term Plan

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.

Research Highlights for Aditya Birla Sun Life Medium Term Plan

Highest AUM (₹2,732 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 13.09% (top quartile).
1M return: 0.21% (top quartile).
Sharpe: 3.02 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.52% (lower mid).
Modified duration: 3.63 yrs (bottom quartile).
Average maturity: 4.86 yrs (bottom quartile).
Exit load: 0-365 Days (1%),365 Days and above(NIL).

Below is the key information for Aditya Birla Sun Life Medium Term Plan

Aditya Birla Sun Life Medium Term Plan Growth
Launch Date	25 Mar 09
NAV (13 Aug 25)	₹40.1906 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹2,732 on 15 Jul 25
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	3.02
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	7.52%
Effective Maturity	4 Years 10 Months 10 Days
Modified Duration	3 Years 7 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,944
31 Jul 22	₹13,565
31 Jul 23	₹14,546
31 Jul 24	₹15,677
31 Jul 25	₹17,818

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹218,539.
Net Profit of ₹38,539 Invest Now

Returns for Aditya Birla Sun Life Medium Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Aug 25

Duration	Returns
1 Month	0.2%
3 Month	1.7%
6 Month	4.9%
1 Year	13.1%
3 Year	9.3%
5 Year	12.2%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.5%
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%

Fund Manager information for Aditya Birla Sun Life Medium Term Plan

Name	Since	Tenure
Sunaina Cunha	1 Sep 14	10.92 Yr.
Mohit Sharma	6 Aug 20	4.99 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 15 Jul 25

Asset Allocation

Asset Class	Value
Cash	4.15%
Equity	4.26%
Debt	91.33%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	56.42%
Government	34.91%
Cash Equivalent	4.15%

Credit Quality

Rating	Value
A	4%
AA	42.22%
AAA	53.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹231 Cr	22,500,000 ↓ -3,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	7%	₹195 Cr	18,696,700
7.18% Govt Stock 2033 Sovereign Bonds \| -	7%	₹194 Cr	18,500,000
Nuvama Wealth Finance Limited Debentures \| -	4%	₹96 Cr	9,500
Jubilant Bevco Limited Debentures \| -	3%	₹76 Cr	7,400
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹76 Cr	7,500 ↑ 2,500
National Bank For Financing Infrastructure And Development Debentures \| -	3%	₹71 Cr	7,000
Power Grid Corporation Of India Limited Debentures \| -	3%	₹70 Cr	7,000
360 One Prime Limited Debentures \| -	2%	₹65 Cr	6,500
SK Finance Limited Debentures \| -	2%	₹65 Cr	6,500

2. Nippon India Strategic Debt Fund

(Erstwhile Reliance Classic Bond Fund)

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity. The scheme would focus its investments predominantly in corporate bonds of various maturities and across ratings for the purpose of achieving regular income and capital appreciation.

Research Highlights for Nippon India Strategic Debt Fund

Bottom quartile AUM (₹100 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 10.54% (upper mid).
1M return: 0.11% (lower mid).
Sharpe: 1.51 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.37% (bottom quartile).
Modified duration: 3.42 yrs (bottom quartile).
Average maturity: 4.65 yrs (bottom quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).

Below is the key information for Nippon India Strategic Debt Fund

Nippon India Strategic Debt Fund Growth
Launch Date	26 Jun 14
NAV (13 Aug 25)	₹15.8849 ↓ 0.00 (-0.03 %)
Net Assets (Cr)	₹100 on 30 Jun 25
Category	Debt - Medium term Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.92
Sharpe Ratio	1.51
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	7.37%
Effective Maturity	4 Years 7 Months 24 Days
Modified Duration	3 Years 5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹11,761
31 Jul 22	₹11,932
31 Jul 23	₹12,740
31 Jul 24	₹13,658
31 Jul 25	₹15,170

Nippon India Strategic Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148 Invest Now

Returns for Nippon India Strategic Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Aug 25

Duration	Returns
1 Month	0.1%
3 Month	3.1%
6 Month	6.4%
1 Year	10.5%
3 Year	8.2%
5 Year	8.6%
10 Year
15 Year
Since launch	4.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.3%
2023	7%
2022	2%
2021	17.4%
2020	-23.5%
2019	-3.4%
2018	4.7%
2017	6.9%
2016	11.1%
2015	9%

Fund Manager information for Nippon India Strategic Debt Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.19 Yr.
Sushil Budhia	1 Feb 20	5.5 Yr.
Akshay Sharma	1 Dec 22	2.67 Yr.

Data below for Nippon India Strategic Debt Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	18.74%
Debt	80.8%
Other	0.46%

Debt Sector Allocation

Sector	Value
Corporate	47.73%
Government	33.07%
Cash Equivalent	18.74%

Credit Quality

Rating	Value
AA	56.87%
AAA	43.13%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	15%	₹16 Cr	1,500,000
7.17% State Government Securities Sovereign Bonds \| -	10%	₹10 Cr	1,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	5%	₹5 Cr	500,000
Aditya Birla Real Estate Limited Debentures \| -	5%	₹5 Cr	500
TRuhome Finance Limited Debentures \| -	5%	₹5 Cr	500
Godrej Industries Limited Debentures \| -	5%	₹5 Cr	500
Aadhar Housing Finance Limited Debentures \| -	5%	₹5 Cr	500
JSW Steel Limited Debentures \| -	5%	₹5 Cr	50
Delhi International Airport Limited Debentures \| -	4%	₹4 Cr	400
Indostar Capital Finance Limited Debentures \| -	4%	₹4 Cr	400

3. Axis Strategic Bond Fund

(Erstwhile Axis Income Fund)

To generate optimal returns in the medium term while maintaining liquidity of the portfolio by investing in debt and money market instruments.

Research Highlights for Axis Strategic Bond Fund

Upper mid AUM (₹1,942 Cr).
Established history (13+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 8.78% (bottom quartile).
1M return: 0.11% (bottom quartile).
Sharpe: 2.09 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.66% (top quartile).
Modified duration: 3.22 yrs (upper mid).
Average maturity: 4.13 yrs (lower mid).
Exit load: 0-12 Months (1%),12 Months and above(NIL).

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund Growth
Launch Date	28 Mar 12
NAV (13 Aug 25)	₹28.2159 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹1,942 on 30 Jun 25
Category	Debt - Medium term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.06
Sharpe Ratio	2.09
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	7.66%
Effective Maturity	4 Years 1 Month 17 Days
Modified Duration	3 Years 2 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,677
31 Jul 22	₹11,073
31 Jul 23	₹11,839
31 Jul 24	₹12,773
31 Jul 25	₹13,961

Axis Strategic Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Axis Strategic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Aug 25

Duration	Returns
1 Month	0.1%
3 Month	1.4%
6 Month	4.7%
1 Year	8.8%
3 Year	7.9%
5 Year	6.9%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.7%
2023	7.3%
2022	3.8%
2021	5.2%
2020	10.5%
2019	7.1%
2018	6.7%
2017	7.5%
2016	11.6%
2015	6.8%

Fund Manager information for Axis Strategic Bond Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	12.74 Yr.
Sachin Jain	1 Feb 23	2.5 Yr.
Akhil Thakker	1 Feb 23	2.5 Yr.

Data below for Axis Strategic Bond Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	6.33%
Equity	0.27%
Debt	93.12%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	64.43%
Government	28.69%
Cash Equivalent	6.33%

Credit Quality

Rating	Value
A	8.23%
AA	50.41%
AAA	41.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	13%	₹253 Cr	24,200,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	5%	₹103 Cr	10,031,900 ↑ 10,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	4%	₹83 Cr	7,900,000 ↓ -10,500,000
Jubilant Beverages Limited Debentures \| -	3%	₹67 Cr	6,500
GMR Hyderabad International Airport Ltd Debentures \| -	3%	₹66 Cr	6,500
Delhi International Airport Limited Debentures \| -	3%	₹66 Cr	6,500
Nirma Limited Debentures \| -	3%	₹61 Cr	6,000
Vedanta Limited Debentures \| -	3%	₹60 Cr	6,000
Aditya Birla Digital Fashion Ventures Limited Debentures \| -	3%	₹60 Cr	6,000
Nuvama Wealth Finance Limited Debentures \| -	3%	₹58 Cr	5,800

4. DSP Bond Fund

Aims to generate attractive returns consistent with prudent risk from a diversified portfolio substantially constituted of high quality debt securities.

Research Highlights for DSP Bond Fund

Bottom quartile AUM (₹315 Cr).
Oldest track record among peers (28 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.78% (lower mid).
1M return: 0.06% (bottom quartile).
Sharpe: 1.61 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.59% (bottom quartile).
Modified duration: 3.28 yrs (lower mid).
Average maturity: 4.03 yrs (top quartile).
Exit load: 0-6 Months (0.25%),6 Months and above(NIL).

Below is the key information for DSP Bond Fund

DSP Bond Fund Growth
Launch Date	29 Apr 97
NAV (13 Aug 25)	₹82.478 ↓ -0.04 (-0.05 %)
Net Assets (Cr)	₹315 on 30 Jun 25
Category	Debt - Medium term Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.61
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-6 Months (0.25%),6 Months and above(NIL)
Yield to Maturity	6.59%
Effective Maturity	4 Years 11 Days
Modified Duration	3 Years 3 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,397
31 Jul 22	₹10,643
31 Jul 23	₹11,344
31 Jul 24	₹12,180
31 Jul 25	₹13,308

DSP Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for DSP Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Aug 25

Duration	Returns
1 Month	0.1%
3 Month	1.3%
6 Month	4.9%
1 Year	8.8%
3 Year	7.5%
5 Year	5.9%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.6%
2023	7%
2022	2.9%
2021	3.4%
2020	10%
2019	3%
2018	3.6%
2017	5%
2016	12.9%
2015	6%

Fund Manager information for DSP Bond Fund

Name	Since	Tenure
Vivek Ramakrishnan	17 Jul 21	4.04 Yr.
Karan Mundhra	1 May 21	4.25 Yr.

Data below for DSP Bond Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	18.95%
Debt	80.38%
Other	0.67%

Debt Sector Allocation

Sector	Value
Corporate	56.02%
Government	39.56%
Cash Equivalent	3.75%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.32% Govt Stock 2030 Sovereign Bonds \| -	15%	₹48 Cr	4,500,000
LIC Housing Finance Ltd Debentures \| -	8%	₹26 Cr	2,500
Small Industries Development Bank Of India Debentures \| -	8%	₹26 Cr	2,500
Chhattisgarh (Government of) 7.03% - \| -	8%	₹26 Cr	2,500,000
Bajaj Finance Limited Debentures \| -	8%	₹26 Cr	250
National Bank For Agriculture And Rural Development Debentures \| -	8%	₹26 Cr	2,500
Rec Limited Debentures \| -	8%	₹26 Cr	2,500
Indian Railway Finance Corporation Limited Debentures \| -	8%	₹25 Cr	2,500
Bajaj Housing Finance Limited Debentures \| -	8%	₹25 Cr	2,500 ↑ 2,500
SBI Funds Management Pvt Ltd/Fund Parent Investment Fund \| -	0%	₹1 Cr	948

5. Kotak Medium Term Fund

The investment objective of the scheme is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. There is no assurance or guarantee that the investment objective of the scheme will be achieved

Research Highlights for Kotak Medium Term Fund

Lower mid AUM (₹1,901 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.61% (bottom quartile).
1M return: 0.16% (upper mid).
Sharpe: 1.95 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.65% (upper mid).
Modified duration: 2.75 yrs (top quartile).
Average maturity: 4.05 yrs (upper mid).
Exit load: 0-18 Months (2%),18 Months and above(NIL).

Below is the key information for Kotak Medium Term Fund

Kotak Medium Term Fund Growth
Launch Date	25 Mar 14
NAV (13 Aug 25)	₹22.8957 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹1,901 on 30 Jun 25
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.58
Sharpe Ratio	1.95
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-18 Months (2%),18 Months and above(NIL)
Yield to Maturity	7.65%
Effective Maturity	4 Years 18 Days
Modified Duration	2 Years 9 Months

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,682
31 Jul 22	₹11,018
31 Jul 23	₹11,639
31 Jul 24	₹12,588
31 Jul 25	₹13,765

Kotak Medium Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Kotak Medium Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Aug 25

Duration	Returns
1 Month	0.2%
3 Month	1.4%
6 Month	4.6%
1 Year	8.6%
3 Year	7.4%
5 Year	6.6%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9%
2023	6.1%
2022	3.2%
2021	4.7%
2020	8.5%
2019	7%
2018	5.4%
2017	6.6%
2016	10.9%
2015	9.3%

Fund Manager information for Kotak Medium Term Fund

Name	Since	Tenure
Deepak Agrawal	25 Mar 14	11.36 Yr.
Vihag Mishra	1 Jun 25	0.17 Yr.

Data below for Kotak Medium Term Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	5.55%
Equity	5.79%
Debt	86.98%
Other	1.68%

Debt Sector Allocation

Sector	Value
Corporate	67.9%
Government	18.7%
Cash Equivalent	5.93%

Credit Quality

Rating	Value
A	10.88%
AA	38.57%
AAA	48.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	8%	₹157 Cr	15,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	8%	₹147 Cr	14,043,470
Rec Limited Debentures \| -	5%	₹100 Cr	10,000 ↑ 10,000
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	5%	₹91 Cr	9,000
TATA Steel Limited Debentures \| -	4%	₹77 Cr	750
Pipeline Infrastructure Limited Debentures \| -	4%	₹65 Cr	6,280
Aditya Birla Renewables Limited Debentures \| -	3%	₹61 Cr	6,000
Indostar Capital Finance Limited Debentures \| -	3%	₹60 Cr	6,000
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| 542602	3%	₹59 Cr	1,498,708
Aditya Birla Real Estate Limited Debentures \| -	3%	₹56 Cr	5,500

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