+91-22-48913909আপনার একচেটিয়া বিনিয়োগের জন্য Mণ মিউচুয়াল তহবিল
সাধারণত, যখন কেউ চানমিউচুয়াল ফান্ডে বিনিয়োগ করুন, তারা একটি গ্রহণ করা উচিত যদি তারা বিভ্রান্ত হয়চুমুক রুট বা একক পরিমাণ আসুন আপনার জন্য এটি সহজ করা যাক! যে বিনিয়োগকারীরা debtণ তহবিলে বিনিয়োগের পরিকল্পনা করছেন তাদের আদর্শভাবে এককালীন অর্থ প্রদানের পদ্ধতিটি বেছে নেওয়া উচিত, এটি বিনিয়োগের একক অঙ্ক। সহজেই স্বল্প সময়ের জন্য বিনিয়োগ করা বুদ্ধিমানের কাজতারল্য।
Tণ মিউচুয়াল ফান্ড বিনিয়োগের জন্য একচেটিয়া অর্থ কেন?
একচেটিয়া বিনিয়োগের জন্য debtণ তহবিলের তুলনায় একটি ভাল বিকল্পইক্যুইটি মিউচুয়াল তহবিল। একটি একক পরিমাণ রুট সুদের হারের পরিবর্তনের ঝুঁকি হ্রাস করার পাশাপাশি স্থির আমানতের (এফডি) তুলনায় আরও ভাল রিটার্ন দেয়। আদর্শভাবে, যখন আপনি debtণ তহবিলগুলিতে একচেটিয়া রাস্তা নিয়ে বিনিয়োগ করেন, তখন এটি দুটি সমস্যা সমাধান করে one একটি হ'ল ট্যাক্স সুবিধা এবং অন্যটি পুনরায় বিনিয়োগের ঝুঁকি।
Risingণমুখী তহবিলগুলিতে উচ্চ-মানের একটি পোর্টফোলিও সহ এককভাবে রাস্তায় নেওয়ার পক্ষে সময়টি বাড়ছে সুদের হারের সময়!ডুরি। এই তহবিলগুলি সাধারণত এমন লোকদের জন্য উপযুক্ত যাদের অলস সঞ্চয় রয়েছে এবং সর্বোত্তম রিটার্নের জন্য বিনিয়োগ করতে চান। যে কোনও সংখ্যক মোটা অঙ্কের অর্থ প্রদান করা যেতে পারেপারস্পরিক তহবিল।
পদ্ধতিগতের তুলনায় এককভাবে বিনিয়োগ ভাল কাজ করেবিনিয়োগের পরিকল্পনা- শুধুমাত্র যদি বাজারের মন্দার সময় বা কম মূল্যায় বিনিয়োগ করা হয়। তবে একচেটিয়া অঙ্কবিনিয়োগ যখন বাজারের মূল্যায়ন প্রসারিত হয় বা যখন আপনার বিনিয়োগের প্রথম পর্যায়ে মার্কেটগুলি খুব দ্রুত সংশোধন করা হয় তখন কেউ অতিরিক্ত বিনিয়োগের কাজ করে না।
Debণ তহবিলগুলিতে কীভাবে বিনিয়োগ করবেন: একটি মূল্যায়ন করুন
ফান্ড রিটার্নস- একটি খাবারের একটি ভাল ট্র্যাক রেকর্ড থাকা উচিত। ধারাবাহিক পারফরম্যান্স সরবরাহের শক্ত ইতিহাস রয়েছে এমন একটি তহবিলের জন্য যান for তহবিলের অতীত 1, 3 এবং 5 বছরের রিটার্ন এবং এটি যদি তার বেঞ্চমার্ককে মারতে সক্ষম হয় বা না তা পরীক্ষা করে দেখুন।
টাইম দিগন্তের সাথে ম্যাচ করুন- fundsণ তহবিল তার সম্পর্কিত পরিপক্ক সময়ের সাথে বিনিয়োগের বিভিন্ন পছন্দ সরবরাহ করে offer বিনিয়োগকারীদের তাদের পরিপক্বতার সময়কালের ভিত্তিতে বিনিয়োগের সিদ্ধান্ত নিতে হবে, যখন তারা অন্যের সাথেও তুলনা করতে পারেFundণ তহবিল ইনস্ট্রুমেন্টগুলি এবং তাদের পরিকল্পনার জন্য সবচেয়ে উপযুক্ত অনুসারে একটি নির্বাচন করুন। উদাহরণস্বরূপ, আপনি যদি এক বছরের বিনিয়োগ পরিকল্পনার সময়সীমার দিকে তাকিয়ে থাকেন তবে স্বল্পমেয়াদী debtণ তহবিল আদর্শভাবে মামলা করতে পারে।
ব্যয় অনুপাত- debtণ তহবিল বিবেচনার জন্য একটি গুরুত্বপূর্ণ বিষয় হ'ল এর ব্যয় অনুপাত। একটি উচ্চ ব্যয়ের অনুপাত তহবিলের কর্মক্ষমতা উপর একটি বৃহত্তর প্রভাব তৈরি করে। উদাহরণ স্বরূপ,তরল তহবিল সর্বনিম্ন ব্যয় অনুপাত যা 50 বিপিএস অবধি রয়েছে (বিপিএস সুদের হার পরিমাপের একক যেখানে এক বিপিএস 1% এর 1 / 100th এর সমান) অন্যদিকে, অন্যান্য debtণ তহবিল 150 বিপিএস পর্যন্ত চার্জ করতে পারে। সুতরাং একটি debtণ মিউচুয়াল ফান্ডের মধ্যে একটি বাছাই করার জন্য, পরিচালনা ফি বা তহবিলের চলমান ব্যয় বিবেচনা করা গুরুত্বপূর্ণ।
শীর্ষস্থানীয় 10 সেরা লম্পটের সমষ্টি Mণ মিউচুয়াল তহবিল 2020 - 2021
নীচে থেকে শীর্ষস্থানীয় তহবিল রয়েছেঋণ বিভাগগুলি প্রাথমিকভাবে তহবিল রয়েছেএএম> 2000 কোটি 2000 এবং আল্ট্রা-শর্ট, কর্পোরেট বন্ড, ক্রেডিট ঝুঁকি, নিম্ন মেয়াদী সাব বিভাগে রয়েছে।
Fund NAV Net Assets (Cr) Min Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹564.568
↑ 0.13 ₹22,389 1,000 1.5 3.2 7.5 7.5 7.9 6.81% 5M 19D 6M 22D HDFC Corporate Bond Fund Growth ₹33.319
↓ -0.01 ₹36,134 5,000 1.4 2.3 7.2 7.6 8.6 6.97% 4Y 3M 7D 7Y 29D Aditya Birla Sun Life Corporate Bond Fund Growth ₹115.575
↓ -0.06 ₹30,132 1,000 1.4 2.3 7.1 7.7 8.5 7.13% 4Y 10M 13D 7Y 7M 2D ICICI Prudential Corporate Bond Fund Growth ₹30.7151
↓ 0.00 ₹34,630 5,000 1.7 2.9 7.9 7.8 8 6.95% 3Y 1M 6D 5Y 8M 1D SBI Credit Risk Fund Growth ₹46.9273
↓ -0.07 ₹2,190 5,000 1.5 3 7.8 8 8.1 8.09% 2Y 8M 23D 4Y 3M 11D HDFC Credit Risk Debt Fund Growth ₹24.7924
↑ 0.01 ₹7,029 5,000 1.6 3.2 7.8 7.6 8.2 8.02% 2Y 4M 17D 3Y 8M 23D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25 Research Highlights & Commentary of 6 Funds showcased
Commentary Aditya Birla Sun Life Savings Fund HDFC Corporate Bond Fund Aditya Birla Sun Life Corporate Bond Fund ICICI Prudential Corporate Bond Fund SBI Credit Risk Fund HDFC Credit Risk Debt Fund Point 1 Lower mid AUM (₹22,389 Cr). Highest AUM (₹36,134 Cr). Upper mid AUM (₹30,132 Cr). Upper mid AUM (₹34,630 Cr). Bottom quartile AUM (₹2,190 Cr). Bottom quartile AUM (₹7,029 Cr). Point 2 Established history (22+ yrs). Established history (15+ yrs). Oldest track record among peers (28 yrs). Established history (16+ yrs). Established history (21+ yrs). Established history (11+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 7.48% (lower mid). 1Y return: 7.16% (bottom quartile). 1Y return: 7.15% (bottom quartile). 1Y return: 7.93% (top quartile). 1Y return: 7.83% (upper mid). 1Y return: 7.78% (upper mid). Point 6 1M return: 0.41% (top quartile). 1M return: 0.01% (bottom quartile). 1M return: -0.01% (bottom quartile). 1M return: 0.24% (upper mid). 1M return: 0.22% (lower mid). 1M return: 0.32% (upper mid). Point 7 Sharpe: 3.40 (top quartile). Sharpe: 0.78 (bottom quartile). Sharpe: 0.79 (bottom quartile). Sharpe: 1.56 (upper mid). Sharpe: 1.98 (upper mid). Sharpe: 1.32 (lower mid). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). 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): 6.81% (bottom quartile). Yield to maturity (debt): 6.97% (lower mid). Yield to maturity (debt): 7.13% (upper mid). Yield to maturity (debt): 6.95% (bottom quartile). Yield to maturity (debt): 8.09% (top quartile). Yield to maturity (debt): 8.02% (upper mid). Point 10 Modified duration: 0.47 yrs (top quartile). Modified duration: 4.27 yrs (bottom quartile). Modified duration: 4.87 yrs (bottom quartile). Modified duration: 3.10 yrs (lower mid). Modified duration: 2.73 yrs (upper mid). Modified duration: 2.38 yrs (upper mid). Aditya Birla Sun Life Savings Fund
HDFC Corporate Bond Fund
Aditya Birla Sun Life Corporate Bond Fund
ICICI Prudential Corporate Bond Fund
SBI Credit Risk Fund
HDFC Credit Risk Debt Fund
The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (Erstwhile HDFC Medium Term Opportunities Fund) To generate regular income through investments in Debt/
Money Market Instruments and Government Securities with
maturities not exceeding 60 months. Research Highlights for HDFC Corporate Bond Fund Below is the key information for HDFC Corporate Bond Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Short Term Fund) An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities. Research Highlights for Aditya Birla Sun Life Corporate Bond Fund Below is the key information for Aditya Birla Sun Life Corporate Bond Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Ultra Short Term Plan) ICICI Prudential Ultra Short Term Plan is an open-ended income fund that intends to generate regular income through investments in a basket of debt and money market instruments of very short maturities with a view to providing reasonable returns, while maintaining an optimum balance of safety, liquidity and yield. However, there can be no assurance that the investment objective of the scheme will be realized. Research Highlights for ICICI Prudential Corporate Bond Fund Below is the key information for ICICI Prudential Corporate Bond 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. Research Highlights for SBI Credit Risk Fund Below is the key information for SBI Credit Risk Fund Returns up to 1 year are on (Erstwhile HDFC Corporate Debt Opportunities Fund) To generate regular income and capital appreciation by investing predominantly in corporate debt. Research Highlights for HDFC Credit Risk Debt Fund Below is the key information for HDFC Credit Risk Debt Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (15 Dec 25) ₹564.568 ↑ 0.13 (0.02 %) Net Assets (Cr) ₹22,389 on 31 Oct 25 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.55 Sharpe Ratio 3.4 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.81% Effective Maturity 6 Months 22 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,392 30 Nov 22 ₹10,859 30 Nov 23 ₹11,636 30 Nov 24 ₹12,535 30 Nov 25 ₹13,491 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.2% 1 Year 7.5% 3 Year 7.5% 5 Year 6.2% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 7.2% 2022 4.8% 2021 3.9% 2020 7% 2019 8.5% 2018 7.6% 2017 7.2% 2016 9.2% 2015 8.9% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 11.38 Yr. Kaustubh Gupta 15 Jul 11 14.31 Yr. Monika Gandhi 22 Mar 21 4.62 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 49.2% Debt 50.56% Other 0.24% Debt Sector Allocation
Sector Value Corporate 47.85% Cash Equivalent 39.2% Government 12.71% Credit Quality
Rating Value AA 28.73% AAA 71.27% Top Securities Holdings / Portfolio
Name Holding Value Quantity Shriram Finance Limited
Debentures | -3% ₹614 Cr 60,000 Nirma Limited
Debentures | -2% ₹487 Cr 48,500 07.22 GJ Sdl 2028
Sovereign Bonds | -2% ₹376 Cr 37,500,000 Muthoot Finance Limited
Debentures | -2% ₹352 Cr 35,000
↑ 10,000 Mankind Pharma Limited
Debentures | -1% ₹348 Cr 34,500 Bank of Baroda
Debentures | -1% ₹344 Cr 7,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹341 Cr 3,400 Avanse Financial Services Limited
Debentures | -1% ₹301 Cr 30,000 Power Finance Corporation Limited
Debentures | -1% ₹298 Cr 30,000 ICICI Home Finance Company Limited
Debentures | -1% ₹272 Cr 27,000 2. HDFC Corporate Bond Fund
HDFC Corporate Bond Fund
Growth Launch Date 29 Jun 10 NAV (15 Dec 25) ₹33.319 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹36,134 on 31 Oct 25 Category Debt - Corporate Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.6 Sharpe Ratio 0.78 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 6.97% Effective Maturity 7 Years 29 Days Modified Duration 4 Years 3 Months 7 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,436 30 Nov 22 ₹10,745 30 Nov 23 ₹11,491 30 Nov 24 ₹12,491 30 Nov 25 ₹13,465 Returns for HDFC Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month 0% 3 Month 1.4% 6 Month 2.3% 1 Year 7.2% 3 Year 7.6% 5 Year 6% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.6% 2023 7.2% 2022 3.3% 2021 3.9% 2020 11.8% 2019 10.3% 2018 6.5% 2017 6.5% 2016 10.6% 2015 8.6% Fund Manager information for HDFC Corporate Bond Fund
Name Since Tenure Anupam Joshi 27 Oct 15 10.02 Yr. Dhruv Muchhal 22 Jun 23 2.36 Yr. Data below for HDFC Corporate Bond Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 3.31% Debt 96.41% Other 0.28% Debt Sector Allocation
Sector Value Corporate 55.23% Government 39.18% Cash Equivalent 3.33% Securitized 1.98% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Govt Stock 2040
Sovereign Bonds | -6% ₹2,254 Cr 230,000,000 Bajaj Finance Limited
Debentures | -3% ₹1,132 Cr 112,500 6.9% Govt Stock 2065
Sovereign Bonds | -3% ₹1,034 Cr 110,000,000
↑ 50,000,000 6.82% Govt Stock 2033
Sovereign Bonds | -3% ₹919 Cr 89,000,000 State Bank Of India
Debentures | -2% ₹806 Cr 800 6.92% Govt Stock 2039
Sovereign Bonds | -2% ₹752 Cr 75,000,000
↓ -28,500,000 HDFC Bank Limited
Debentures | -1% ₹517 Cr 50,000 Small Industries Development Bank Of India
Debentures | -1% ₹509 Cr 50,000 LIC Housing Finance Ltd
Debentures | -1% ₹509 Cr 5,000 Rural Electrification Corporation Limited
Debentures | -1% ₹472 Cr 4,500 3. Aditya Birla Sun Life Corporate Bond Fund
Aditya Birla Sun Life Corporate Bond Fund
Growth Launch Date 3 Mar 97 NAV (15 Dec 25) ₹115.575 ↓ -0.06 (-0.05 %) Net Assets (Cr) ₹30,132 on 31 Oct 25 Category Debt - Corporate Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.52 Sharpe Ratio 0.79 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.13% Effective Maturity 7 Years 7 Months 2 Days Modified Duration 4 Years 10 Months 13 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,433 30 Nov 22 ₹10,821 30 Nov 23 ₹11,571 30 Nov 24 ₹12,592 30 Nov 25 ₹13,576 Returns for Aditya Birla Sun Life Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month 0% 3 Month 1.4% 6 Month 2.3% 1 Year 7.1% 3 Year 7.7% 5 Year 6.2% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.5% 2023 7.3% 2022 4.1% 2021 4% 2020 11.9% 2019 9.6% 2018 7% 2017 6.5% 2016 10.2% 2015 8.9% Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund
Name Since Tenure Kaustubh Gupta 12 Apr 21 4.56 Yr. Data below for Aditya Birla Sun Life Corporate Bond Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 4.28% Debt 95.46% Other 0.26% Debt Sector Allocation
Sector Value Corporate 54.85% Government 39.57% Cash Equivalent 4.28% Securitized 1.04% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.92% Govt Stock 2039
Sovereign Bonds | -9% ₹2,699 Cr 269,236,200
↓ -2,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -8% ₹2,296 Cr 226,500,000 6.68% Govt Stock 2040
Sovereign Bonds | -4% ₹1,304 Cr 133,000,000
↑ 19,500,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹1,154 Cr 113,500
↑ 5,000 7.34% Govt Stock 2064
Sovereign Bonds | -2% ₹719 Cr 72,500,000
↑ 10,500,000 7.1% Govt Stock 2034
Sovereign Bonds | -2% ₹715 Cr 69,161,700
↓ -1,500,000 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹594 Cr 59,000 Rec Limited
Debentures | -2% ₹586 Cr 60,000 Bajaj Housing Finance Limited
Debentures | -2% ₹566 Cr 55,000 Bharti Telecom Limited
Debentures | -2% ₹510 Cr 50,900
↑ 10,000 4. ICICI Prudential Corporate Bond Fund
ICICI Prudential Corporate Bond Fund
Growth Launch Date 11 Aug 09 NAV (15 Dec 25) ₹30.7151 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹34,630 on 31 Oct 25 Category Debt - Corporate Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.57 Sharpe Ratio 1.56 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.95% Effective Maturity 5 Years 8 Months 1 Day Modified Duration 3 Years 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,455 30 Nov 22 ₹10,876 30 Nov 23 ₹11,671 30 Nov 24 ₹12,623 30 Nov 25 ₹13,664 Returns for ICICI Prudential Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month 0.2% 3 Month 1.7% 6 Month 2.9% 1 Year 7.9% 3 Year 7.8% 5 Year 6.4% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 8% 2023 7.6% 2022 4.5% 2021 4.1% 2020 10.4% 2019 9.9% 2018 6.4% 2017 6.3% 2016 9.8% 2015 8.8% Fund Manager information for ICICI Prudential Corporate Bond Fund
Name Since Tenure Manish Banthia 22 Jan 24 1.78 Yr. Ritesh Lunawat 22 Jan 24 1.78 Yr. Data below for ICICI Prudential Corporate Bond Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 8.28% Debt 91.72% Debt Sector Allocation
Sector Value Corporate 54.85% Government 31.46% Cash Equivalent 8.14% Securitized 5.55% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.82% Govt Stock 2033
Sovereign Bonds | -5% ₹1,601 Cr 155,072,060 LIC Housing Finance Ltd
Debentures | -4% ₹1,483 Cr 145,500 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹1,026 Cr 1,000 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -3% ₹922 Cr 900 7.1% Govt Stock 2034
Sovereign Bonds | -2% ₹864 Cr 83,594,780 Pipeline Infrastructure Limited
Debentures | -2% ₹832 Cr 80,500 7.34% Govt Stock 2064
Sovereign Bonds | -2% ₹579 Cr 58,412,000 6.79% Govt Stock 2034
Sovereign Bonds | -2% ₹570 Cr 56,222,270
↓ -11,160,140 National Bank For Agriculture And Rural Development
Debentures | -2% ₹548 Cr 54,000 6.9% Govt Stock 2065
Sovereign Bonds | -2% ₹531 Cr 56,500,000 5. SBI Credit Risk Fund
SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (15 Dec 25) ₹46.9273 ↓ -0.07 (-0.15 %) Net Assets (Cr) ₹2,190 on 31 Oct 25 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 1.98 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 8.09% Effective Maturity 4 Years 3 Months 11 Days Modified Duration 2 Years 8 Months 23 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,526 30 Nov 22 ₹10,941 30 Nov 23 ₹11,832 30 Nov 24 ₹12,798 30 Nov 25 ₹13,850 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month 0.2% 3 Month 1.5% 6 Month 3% 1 Year 7.8% 3 Year 8% 5 Year 6.7% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.1% 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% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 8.75 Yr. Data below for SBI Credit Risk Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 8.59% Equity 3.1% Debt 87.94% Other 0.37% Debt Sector Allocation
Sector Value Corporate 68.63% Government 19.3% Cash Equivalent 8.59% Credit Quality
Rating Value A 17.05% AA 62.36% AAA 20.59% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.92% Govt Stock 2039
Sovereign Bonds | -7% ₹150 Cr 15,000,000 Infopark Properties Limited
Debentures | -5% ₹106 Cr 10,500 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹105 Cr 11,000 H.G. Infra Engineering Limited
Debentures | -5% ₹100 Cr 10,000 Nj Capital Private Limited
Debentures | -5% ₹100 Cr 10,000 Jtpm Metal TRaders Limited
Debentures | -4% ₹92 Cr 9,000 The Sandur Manganese And Iron Ores Limited
Debentures | -4% ₹82 Cr 8,500 Avanse Financial Services Limited
Debentures | -4% ₹80 Cr 8,000 Renserv Global Private Limited
Debentures | -4% ₹80 Cr 8,000 Aditya Birla Renewables Limited
Debentures | -3% ₹76 Cr 7,500 6. HDFC Credit Risk Debt Fund
HDFC Credit Risk Debt Fund
Growth Launch Date 25 Mar 14 NAV (15 Dec 25) ₹24.7924 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹7,029 on 31 Oct 25 Category Debt - Credit Risk AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.51 Sharpe Ratio 1.32 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL) Yield to Maturity 8.02% Effective Maturity 3 Years 8 Months 23 Days Modified Duration 2 Years 4 Months 17 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,738 30 Nov 22 ₹11,114 30 Nov 23 ₹11,830 30 Nov 24 ₹12,829 30 Nov 25 ₹13,868 Returns for HDFC Credit Risk Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Dec 25 Duration Returns 1 Month 0.3% 3 Month 1.6% 6 Month 3.2% 1 Year 7.8% 3 Year 7.6% 5 Year 6.7% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.2% 2023 6.6% 2022 3.7% 2021 7% 2020 10.9% 2019 8.6% 2018 5.4% 2017 6.6% 2016 11% 2015 9% Fund Manager information for HDFC Credit Risk Debt Fund
Name Since Tenure Shobhit Mehrotra 25 Mar 14 11.61 Yr. Dhruv Muchhal 22 Jun 23 2.36 Yr. Data below for HDFC Credit Risk Debt Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 9.01% Equity 3.97% Debt 86.68% Other 0.35% Debt Sector Allocation
Sector Value Corporate 74.19% Government 11.75% Cash Equivalent 9.01% Securitized 0.73% Credit Quality
Rating Value A 14.6% AA 61.88% AAA 23.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity The Sandur Manganese And Iron Ores Limited
Debentures | -4% ₹289 Cr 30,000 GMR Airports Limited
Debentures | -4% ₹268 Cr 26,500 TATA Projects Limited
Debentures | -4% ₹253 Cr 25,000 The Tata Power Company Limited
Debentures | -3% ₹232 Cr 2,190 Jubilant Beverages Limited
Debentures | -3% ₹204 Cr 19,190 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -3% ₹203 Cr 20,000 Kalpataru Projects International Limited
Debentures | -3% ₹202 Cr 20,000 SK Finance Limited
Debentures | -3% ₹201 Cr 20,000 Jubilant Bevco Limited
Debentures | -3% ₹189 Cr 17,750 Kalpataru Projects International Limited
Debentures | -3% ₹180 Cr 18,000
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