Table of Contents
FD Vs Debt Mutual Fund
FD vs Debt fund? Thinking where to invest your savings to earn good returns. Generally, people consider Investing in fixed deposit or FD to be the most convenient option as it is safe and offers fixed returns. But is it the best way? Though Fixed Deposit is an easy investment option for all, however, the returns of fixed deposits being taxable are much less as compared to a Debt Fund. Moreover, when held for a longer duration, Debt Mutual Funds offer good returns. Before making a final decision to invest in debt mutual funds or fixed deposits, go through the detailed comparison of these investments.
In summary:
Debt Mutual Funds (Debt Fund) Vs Fixed Deposits (FD)
We would need to break this up by the ability to take a risk and the intended holding period of the investor in question.
Short Holding Period (1 Year or Less)
Here the options for debt fund would be limited to Liquid Funds, ultra-short term funds and short-term Income funds. While the returns or yields normally would go higher from liquid to ultra-short to Short term fund, the yield differential between these debt funds and a Fixed Deposit can be determined considering their returns in last one year.
Debt Mutual Fund (Category Average Return)
| Type Of Debt Mutual Fund | Last 1 yr. Return (%) |
|---|---|
| Liquid Fund | 7.36 |
| Ultra Short-term Debt Funds | 9.18 |
| Short-term Debt Funds | 9.78 |
| Dynamic Debt Funds | 13.89 |
| Long-term Debt Funds | 13.19 |
| Gilt Short-term Funds | 11.76 |
| Gilt Long-term Funds | 15.06 |
| Data as of 20th Feb 2017 |
Fixed Deposit or FD Average Return Rate
The average return rate of Fixed Deposits ranged from 8-8.5% p.a. in the year 2016 (so one can compare the above returns in the table). However, in the past one year, the return rate has dropped to 6.6-7.5% p.a.
With the above illustration, it is clear that the average rate of return of Debt Funds is better than that of Fixed Deposits.
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Long-Term Holding Period
With a long intended holding period, debt funds may prove to be better than FDs.
The options to invest here would be:
- Long term income funds
- Long-term gilt,
- Corporate bond funds (high yield funds), in addition to the options mentioned above the liquid, ultra-short and short term funds may also be used.
Given that the holding period could be 3 years or more, we can say the following:
- With Capital gains tax at 20% with indexation benefits, the net tax incidence would be minimal ( however one should calculate the tax incidence given the year of incurring tax)
- Long term income funds/Gilt Funds with high yields and additionally, if interest rates move down would give very higher returns.
- One could end up with high double digit returns with these debt funds.
Take the example below of returns on long-term income funds, the average last 1-year return for the category is 12.19% and last 3 years is 10.32% p.a. No FD could have given a similar return in the period. Gilt Fund returns are even higher. In the same period, last year FD rates would have been close to 8-8.5% per annum across most banks, (albeit today the rates have dropped further to 6.5 - 7.5%)
So with an investor having a long intended holding period and interest rates falling, a debt fund (Long term income or Gilt) would give much better returns than an FD. Even in the case of interest rates not falling, high yield corporate bond funds would beat FDs in the same period.
Taxation on Debt Mutual Funds and Fixed Deposits
Taxation also plays an important role in determining the returns of the debt funds and fixed deposits. Typically, taxation on Fixed Deposits is 33% (marginal rate of tax) while on Debt Funds if one invests with a less than 3-year view then incurring dividend distribution tax would be a better option given that DDT (Dividend Distribution Tax) is deducted at approximately 25% (+surcharge etc). This shows that taxation on debt mutual funds is relatively lower than that in fixed deposits.
The additional benefits that come with debt funds are:
- liquidity: money available within 1–2 days from Redemption
- Professional management: ability to dynamically change strategy and take advantage of markets
- No premature withdrawal penalty.
To sum up:
| Parameters | Mutual Funds | Fixed Deposits |
|---|---|---|
| Rate of Returns | No Assured Returns | Fixed Returns |
| Inflation Adjusted Returns | Potential of High Inflation Adjusted Returns | Usually Low Inflation Adjusted Returns |
| Risk | Low to High Risk (Depends of Fund | Low Risk |
| Liquidity | Liquid | Liquid |
| Premature Withdrawal | Allowed with Exit Load/No Load | Allowed with Penalty |
| Cost of Investment | Management Cost/Expense Ratio | No Cost |
Top 8 Best Performing Debt Funds 2022
Below is the list of Debt funds having Net Assets/AUM above 1000 Crore and sorted on 3 Year compounded (CAGR) returns.
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 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 HDFC Corporate Debt Opportunities Fund) To generate regular income and capital appreciation by investing predominantly in corporate debt. HDFC Credit Risk Debt Fund is a Debt - Credit Risk fund was launched on 25 Mar 14. It is a fund with Moderate risk and has given a Below is the key information for HDFC Credit Risk Debt 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 To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. ICICI Prudential Long Term Plan is a Debt - Dynamic Bond fund was launched on 20 Jan 10. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Long Term Plan Returns up to 1 year are on (Erstwhile ICICI Prudential Corporate 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. ICICI Prudential Medium Term Bond Fund is a Debt - Medium term Bond fund was launched on 15 Sep 04. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Medium Term Bond 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 (Erstwhile ICICI Prudential Long Term Gilt Fund) To generate income through investment in Gilts of various maturities. ICICI Prudential Gilt Fund is a Debt - Government Bond fund was launched on 19 Aug 99. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Gilt Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Medium Term Plan
CAGR/Annualized return of 8.7% since its launch. Ranked 6 in Medium term Bond category. Return for 2021 was 7.1% , 2020 was 8.1% and 2019 was -4.4% . Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (30 Sep 22) ₹30.9019 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹1,628 on 31 Aug 22 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.56 Sharpe Ratio 1.17 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 7.48% Effective Maturity 3 Years 10 Months 13 Days Modified Duration 2 Years 7 Months 24 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 17 ₹10,000 30 Sep 18 ₹10,394 30 Sep 19 ₹11,030 30 Sep 20 ₹10,776 30 Sep 21 ₹11,689 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 30 Sep 22 Duration Returns 1 Month 0.1% 3 Month 17.3% 6 Month 17% 1 Year 23.5% 3 Year 9.4% 5 Year 7.6% 10 Year 15 Year Since launch 8.7% Historical performance (Yearly) on absolute basis
Year Returns 2021 7.1% 2020 8.1% 2019 -4.4% 2018 5.6% 2017 7% 2016 10.9% 2015 9.5% 2014 12% 2013 10.2% 2012 11.1% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 8 Yr. Mohit Sharma 6 Aug 20 2.07 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Aug 22
Asset Allocation
Asset Class Value Cash 17.72% Equity 2.13% Debt 80.15% Debt Sector Allocation
Sector Value Corporate 49.75% Government 36.42% Cash Equivalent 11.7% Credit Quality
Rating Value A 3.51% AA 37.47% AAA 59.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.54% Govt Stock 2032
Sovereign Bonds | -16% ₹257 Cr 27,000,000
↓ -3,000,000 Shriram City Union Finance Limited
Debentures | -6% ₹102 Cr 1,000 Mahindra Rural Housing Finance Limited
Debentures | -3% ₹50 Cr 500 Bajaj Housing Finance Limited
Debentures | -3% ₹50 Cr 500 Tata Realty And Infrastructure Limited
Debentures | -3% ₹47 Cr 480 Bharti Hexacom Limited
Debentures | -3% ₹47 Cr 480 JM Financial Credit Solutions Limited
Debentures | -3% ₹44 Cr 440 Gic Housing Finance Limited
Debentures | -2% ₹40 Cr 400 8.15% Govt Stock 2026
Sovereign Bonds | -2% ₹36 Cr 3,500,000 Indusind Bank Limited
Debentures | -2% ₹36 Cr 354 2. UTI Short Term Income Fund
CAGR/Annualized return of 6.5% since its launch. Ranked 10 in Short term Bond category. Return for 2021 was 8.4% , 2020 was 10.5% and 2019 was -3.9% . UTI Short Term Income Fund
Growth Launch Date 19 Sep 07 NAV (30 Sep 22) ₹25.9364 ↑ 0.02 (0.07 %) Net Assets (Cr) ₹2,174 on 31 Aug 22 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.93 Sharpe Ratio 0.78 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.89% Effective Maturity 4 Years 1 Month 17 Days Modified Duration 2 Years 4 Months 2 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 17 ₹10,000 30 Sep 18 ₹10,442 30 Sep 19 ₹10,042 30 Sep 20 ₹11,087 30 Sep 21 ₹12,175 Returns for UTI Short Term Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month 0.1% 3 Month 1.5% 6 Month 1.3% 1 Year 3.1% 3 Year 7.7% 5 Year 4.6% 10 Year 15 Year Since launch 6.5% Historical performance (Yearly) on absolute basis
Year Returns 2021 8.4% 2020 10.5% 2019 -3.9% 2018 6% 2017 6.1% 2016 10.1% 2015 8.3% 2014 10.9% 2013 9% 2012 11.2% Fund Manager information for UTI Short Term Income Fund
Name Since Tenure Sudhir Agarwal 25 Oct 12 9.85 Yr. Data below for UTI Short Term Income Fund as on 31 Aug 22
Asset Allocation
Asset Class Value Cash 34.61% Debt 65.39% Debt Sector Allocation
Sector Value Corporate 50.65% Cash Equivalent 32.46% Government 16.89% Credit Quality
Rating Value AA 19.14% AAA 80.86% Top Securities Holdings / Portfolio
Name Holding Value Quantity Axis Finance Limited
Debentures | -7% ₹161 Cr 1,600 7.38% Govt Stock 2027
Sovereign Bonds | -5% ₹116 Cr 1,150,000,000
↑ 1,150,000,000 Housing Development Finance Corporation Limited
Debentures | -3% ₹76 Cr 750 Power Finance Corporation Ltd.
Debentures | -3% ₹75 Cr 750 India Grid TRust
Debentures | -3% ₹74 Cr 750 Mahindra Rural Housing Finance Limited
Debentures | -3% ₹69 Cr 700 Can Fin Homes Limited
Debentures | -3% ₹64 Cr 650 TATA Motors Finance Limited
Debentures | -3% ₹59 Cr 600 Rural Electrification Corporation Limited
Debentures | -2% ₹52 Cr 500 Shriram Transport Finance Company Limited
Debentures | -2% ₹51 Cr 500 3. HDFC Credit Risk Debt Fund
CAGR/Annualized return of 8.2% since its launch. Ranked 9 in Credit Risk category. Return for 2021 was 7% , 2020 was 10.9% and 2019 was 8.6% . HDFC Credit Risk Debt Fund
Growth Launch Date 25 Mar 14 NAV (30 Sep 22) ₹19.6483 ↑ 0.02 (0.08 %) Net Assets (Cr) ₹8,700 on 31 Aug 22 Category Debt - Credit Risk AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio -0.29 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 8.07% Effective Maturity 2 Years 8 Months 16 Days Modified Duration 2 Years 29 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 17 ₹10,000 30 Sep 18 ₹10,341 30 Sep 19 ₹11,262 30 Sep 20 ₹12,296 30 Sep 21 ₹13,538 Returns for HDFC Credit Risk Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month 0% 3 Month 1.7% 6 Month 0.9% 1 Year 3% 3 Year 7.4% 5 Year 6.9% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2021 7% 2020 10.9% 2019 8.6% 2018 5.4% 2017 6.6% 2016 11% 2015 9% 2014 2013 2012 Fund Manager information for HDFC Credit Risk Debt Fund
Name Since Tenure Shobhit Mehrotra 25 Mar 14 8.44 Yr. Priya Ranjan 1 May 22 0.33 Yr. Data below for HDFC Credit Risk Debt Fund as on 31 Aug 22
Asset Allocation
Asset Class Value Cash 12.38% Equity 1.68% Debt 85.94% Debt Sector Allocation
Sector Value Corporate 74.44% Cash Equivalent 12.38% Government 11.5% Credit Quality
Rating Value A 4.53% AA 54.84% AAA 40.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Hexacom Limited
Debentures | -4% ₹354 Cr 3,600 Indinfravit TRust
Debentures | -4% ₹343 Cr 3,500 Pipeline Infrastructure Limited
Debentures | -4% ₹327 Cr 3,200 Power Finance Corporation Ltd.
Debentures | -3% ₹301 Cr 2,790 Dlf Cyber City Developers Ltd
Debentures | -3% ₹267 Cr 2,750 The Tata Power Company Limited
Debentures | -3% ₹222 Cr 2,030 Green Infra Wind Energy Limited
Debentures | -2% ₹206 Cr 2,350 TATA Motors Limited
Debentures | -2% ₹205 Cr 2,000 7.1% Govt Stock 2029
Sovereign Bonds | -2% ₹199 Cr 20,000,000 TVS Credit Services Limited
Debentures | -2% ₹198 Cr 200 4. ICICI Prudential Regular Savings Fund
CAGR/Annualized return of 8.3% since its launch. Ranked 26 in Credit Risk category. Return for 2021 was 6.2% , 2020 was 9.8% and 2019 was 9.5% . ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (30 Sep 22) ₹25.6203 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹8,014 on 31 Aug 22 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.53 Sharpe Ratio 0.65 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 8.08% Effective Maturity 2 Years 5 Months 5 Days Modified Duration 1 Year 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 17 ₹10,000 30 Sep 18 ₹10,506 30 Sep 19 ₹11,455 30 Sep 20 ₹12,586 30 Sep 21 ₹13,574 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month 0% 3 Month 1.6% 6 Month 1.8% 1 Year 4.5% 3 Year 7.4% 5 Year 7.2% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2021 6.2% 2020 9.8% 2019 9.5% 2018 6.6% 2017 6.8% 2016 9.5% 2015 9% 2014 11% 2013 7.5% 2012 9.4% Fund Manager information for ICICI Prudential Regular Savings Fund
Name Since Tenure Manish Banthia 7 Nov 16 5.82 Yr. Akhil Kakkar 3 Jun 17 5.25 Yr. Data below for ICICI Prudential Regular Savings Fund as on 31 Aug 22
Asset Allocation
Asset Class Value Cash 17.81% Equity 3.58% Debt 78.61% Debt Sector Allocation
Sector Value Corporate 71.27% Cash Equivalent 14.76% Government 10.07% Securitized 0.34% Credit Quality
Rating Value A 11.05% AA 65.52% AAA 22.87% B 0.56% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.54% Govt Stock 2032
Sovereign Bonds | -3% ₹253 Cr 26,523,750
↓ -30,000,000 Prestige Estates Projects Limited
Debentures | -3% ₹252 Cr 2,500 Nayara Energy Limited
Debentures | -3% ₹243 Cr 2,500 Aditya Birla Fashion And Retail Limited
Debentures | -3% ₹222 Cr 1,750 Embassy Office Parks Reit
-, Since 31 Jul 20 | -3% ₹207 Cr 5,712,698 National Bank For Agriculture And Rural Development
Debentures | -2% ₹198 Cr 2,000
↑ 2,000 Ongc Petro Additions Limited
Debentures | -2% ₹197 Cr 2,000 182 DTB 16032023
Sovereign Bonds | -2% ₹194 Cr 20,000,000
↑ 20,000,000 JM Financial Credit Solutions Limited
Debentures | -2% ₹174 Cr 1,750 The Great Eastern Shipping Company Limited
Debentures | -2% ₹173 Cr 1,743 5. ICICI Prudential Long Term Plan
CAGR/Annualized return of 9% since its launch. Ranked 1 in Dynamic Bond category. Return for 2021 was 4.3% , 2020 was 11.8% and 2019 was 10.2% . ICICI Prudential Long Term Plan
Growth Launch Date 20 Jan 10 NAV (30 Sep 22) ₹29.8642 ↑ 0.04 (0.13 %) Net Assets (Cr) ₹5,816 on 31 Aug 22 Category Debt - Dynamic Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.41 Sharpe Ratio -0.22 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Months (0.25%),1 Months and above(NIL) Yield to Maturity 6.97% Effective Maturity 6 Years 3 Months Modified Duration 1 Year 11 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 17 ₹10,000 30 Sep 18 ₹10,276 30 Sep 19 ₹11,315 30 Sep 20 ₹12,648 30 Sep 21 ₹13,496 Returns for ICICI Prudential Long Term Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month 0.4% 3 Month 2.9% 6 Month 2.4% 1 Year 3.4% 3 Year 7.2% 5 Year 6.9% 10 Year 15 Year Since launch 9% Historical performance (Yearly) on absolute basis
Year Returns 2021 4.3% 2020 11.8% 2019 10.2% 2018 6.2% 2017 5.1% 2016 16.9% 2015 5.7% 2014 19.4% 2013 9.6% 2012 9.9% Fund Manager information for ICICI Prudential Long Term Plan
Name Since Tenure Manish Banthia 28 Sep 12 9.93 Yr. Anuj Tagra 15 Jan 15 7.63 Yr. Data below for ICICI Prudential Long Term Plan as on 31 Aug 22
Asset Allocation
Asset Class Value Cash 16.41% Debt 83.59% Debt Sector Allocation
Sector Value Government 43.13% Corporate 40.45% Cash Equivalent 16.41% Credit Quality
Rating Value AA 34.96% AAA 65.04% Top Securities Holdings / Portfolio
Name Holding Value Quantity 5.53% Govt Stock 2033
Sovereign Bonds | -13% ₹773 Cr 77,450,350
↑ 1,500,000 6.54% Govt Stock 2032
Sovereign Bonds | -11% ₹666 Cr 69,836,580
↓ -7,000,000 4.93% Govt Stock 2028
Sovereign Bonds | -8% ₹483 Cr 48,878,150 5.38% Govt Stock 2034
Sovereign Bonds | -8% ₹450 Cr 45,960,800
↓ -1,500,000 Embassy Office Parks Reit
Debentures | -2% ₹122 Cr 1,250 Tata Realty And Infrastructure Limited
Debentures | -2% ₹110 Cr 1,100 Varanasi Sangam Expressway Private Limited
Debentures | -2% ₹103 Cr 1,080 TATA Motors Finance Solutions Limited
Debentures | -2% ₹98 Cr 1,000 TVS Credit Services Limited
Debentures | -1% ₹81 Cr 80 Godrej Industries Limited
Debentures | -1% ₹79 Cr 800 6. ICICI Prudential Medium Term Bond Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 23 in Medium term Bond category. Return for 2021 was 5.5% , 2020 was 10.4% and 2019 was 9.2% . ICICI Prudential Medium Term Bond Fund
Growth Launch Date 15 Sep 04 NAV (30 Sep 22) ₹36.3595 ↑ 0.03 (0.07 %) Net Assets (Cr) ₹6,341 on 31 Aug 22 Category Debt - Medium term Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderate Expense Ratio 1.39 Sharpe Ratio -0.19 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 7.66% Effective Maturity 3 Years 10 Months 28 Days Modified Duration 2 Years 4 Months 6 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 17 ₹10,000 30 Sep 18 ₹10,352 30 Sep 19 ₹11,190 30 Sep 20 ₹12,377 30 Sep 21 ₹13,320 Returns for ICICI Prudential Medium Term Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month 0% 3 Month 1.9% 6 Month 1.7% 1 Year 3.2% 3 Year 7.1% 5 Year 6.6% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2021 5.5% 2020 10.4% 2019 9.2% 2018 5.1% 2017 6.5% 2016 10.2% 2015 8.4% 2014 12.4% 2013 5.9% 2012 9.7% Fund Manager information for ICICI Prudential Medium Term Bond Fund
Name Since Tenure Manish Banthia 7 Nov 16 5.82 Yr. Shadab Rizvi 3 Jun 17 5.25 Yr. Data below for ICICI Prudential Medium Term Bond Fund as on 31 Aug 22
Asset Allocation
Asset Class Value Cash 21.42% Debt 78.58% Debt Sector Allocation
Sector Value Corporate 60.31% Cash Equivalent 21.42% Government 18.28% Credit Quality
Rating Value AA 62.13% AAA 37.87% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.54% Govt Stock 2032
Sovereign Bonds | -14% ₹869 Cr 91,110,700
↓ -10,000,000 The Tata Power Company Limited
Debentures | -5% ₹307 Cr 3,000 Bangalore Airport Hotel Limited
Debentures | -4% ₹250 Cr 2,500 Bharat Sanchar Nigam Limited
Debentures | -2% ₹154 Cr 1,610 Ongc Petro Additions Limited
Debentures | -2% ₹147 Cr 1,500 The Great Eastern Shipping Company Limited
Debentures | -2% ₹147 Cr 1,500 Godrej Properties Limited
Debentures | -2% ₹115 Cr 1,150 TVS Credit Services Limited
Debentures | -2% ₹112 Cr 110 TATA Motors Finance Solutions Limited
Debentures | -2% ₹102 Cr 1,000 Vedanta Limited
Debentures | -2% ₹100 Cr 1,000 7. UTI Treasury Advantage Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 15 in Low Duration category. Return for 2021 was 9% , 2020 was 7.3% and 2019 was -4.2% . UTI Treasury Advantage Fund
Growth Launch Date 23 Apr 07 NAV (30 Sep 22) ₹2,908.81 ↑ 1.38 (0.05 %) Net Assets (Cr) ₹2,856 on 31 Aug 22 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.44 Sharpe Ratio 0.98 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.33% Effective Maturity 10 Months 2 Days Modified Duration 8 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 17 ₹10,000 30 Sep 18 ₹10,642 30 Sep 19 ₹10,233 30 Sep 20 ₹11,038 30 Sep 21 ₹12,056 Returns for UTI Treasury Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month 0.2% 3 Month 1.2% 6 Month 1.8% 1 Year 4% 3 Year 7% 5 Year 4.6% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2021 9% 2020 7.3% 2019 -4.2% 2018 7.3% 2017 7% 2016 8.9% 2015 8.8% 2014 9.3% 2013 9.6% 2012 9.7% Fund Manager information for UTI Treasury Advantage Fund
Name Since Tenure Anurag Mittal 1 Dec 21 0.75 Yr. Data below for UTI Treasury Advantage Fund as on 31 Aug 22
Asset Allocation
Asset Class Value Cash 55.35% Debt 44.65% Debt Sector Allocation
Sector Value Corporate 33.67% Government 33.41% Cash Equivalent 32.92% Credit Quality
Rating Value AA 10.9% AAA 89.1% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Dtb 02022023
Sovereign Bonds | -9% ₹244 Cr 2,500,000,000
↑ 2,500,000,000 182 Dtb 15122022
Sovereign Bonds | -5% ₹148 Cr 1,500,000,000 364 Dtb 09022023
Sovereign Bonds | -5% ₹146 Cr 1,500,000,000
↑ 1,500,000,000 Cholamandalam Investment And Fin. Co. Ltd
Debentures | -4% ₹124 Cr 1,250
↑ 250 Axis Finance Limited
Debentures | -4% ₹116 Cr 1,150 07.02 MH Sdl 2022
Sovereign Bonds | -4% ₹100 Cr 1,000,000,000 Mahindra Rural Housing Finance Limited
Debentures | -3% ₹78 Cr 800 5.63% Govt Stock 2026
Sovereign Bonds | -3% ₹76 Cr 800,000,000
↑ 250,000,000 182 Dtb 29092022
Sovereign Bonds | -3% ₹75 Cr 750,000,000 Tata Capital Limited
Debentures | -2% ₹59 Cr 600 8. ICICI Prudential Gilt Fund
CAGR/Annualized return of 9.6% since its launch. Ranked 5 in Government Bond category. Return for 2021 was 3.8% , 2020 was 12.6% and 2019 was 10.8% . ICICI Prudential Gilt Fund
Growth Launch Date 19 Aug 99 NAV (30 Sep 22) ₹82.7817 ↑ 0.16 (0.20 %) Net Assets (Cr) ₹2,395 on 31 Aug 22 Category Debt - Government Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.17 Sharpe Ratio -0.35 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 5.86% Effective Maturity 9 Years 8 Months 23 Days Modified Duration 1 Year 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 17 ₹10,000 30 Sep 18 ₹10,173 30 Sep 19 ₹11,352 30 Sep 20 ₹12,704 30 Sep 21 ₹13,538 Returns for ICICI Prudential Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month 0.8% 3 Month 3.4% 6 Month 2.6% 1 Year 2.4% 3 Year 6.9% 5 Year 6.8% 10 Year 15 Year Since launch 9.6% Historical performance (Yearly) on absolute basis
Year Returns 2021 3.8% 2020 12.6% 2019 10.8% 2018 6.8% 2017 2.1% 2016 18.2% 2015 5.5% 2014 18% 2013 0.3% 2012 11% Fund Manager information for ICICI Prudential Gilt Fund
Name Since Tenure Rahul Goswami 27 Sep 12 9.93 Yr. Anuj Tagra 30 Oct 13 8.84 Yr. Data below for ICICI Prudential Gilt Fund as on 31 Aug 22
Asset Allocation
Asset Class Value Cash 11.19% Debt 88.81% Debt Sector Allocation
Sector Value Government 88.81% Cash Equivalent 11.19% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 5.53% Govt Stock 2033
Sovereign Bonds | -51% ₹1,255 Cr 125,721,700
↑ 1,000,000 4.93% Govt Stock 2028
Sovereign Bonds | -19% ₹471 Cr 47,756,299 6.54% Govt Stock 2032
Sovereign Bonds | -14% ₹337 Cr 35,387,710 5.38% Govt Stock 2034
Sovereign Bonds | -4% ₹98 Cr 10,000,000
↓ -1,000,000 8.03% GOI FCI SPL BONDS 2024
Domestic Bonds | -0% ₹3 Cr 250,000 08.15 GOI FCI 2022
Domestic Bonds | -0% ₹1 Cr 80,000 08.05 RJ Sdl 2025feb
Sovereign Bonds | -0% ₹1 Cr 56,000 Treps
CBLO/Reverse Repo | -8% ₹204 Cr Net Current Assets
Net Current Assets | -3% ₹68 Cr 06.88 Ts SDL 2025
Sovereign Bonds | -₹0 Cr 00
↓ -200,000
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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