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Fincash » Mutual Funds » FD Vs Debt Fund

FD Vs Debt Mutual Fund

Updated on September 28, 2022 , 5917 views

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:

FD-Vs-Debt-Fund

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%)

Last-1-Year-Return(%)-of-Long-Term-Income-Funds

Last-1-Year-Returns-of-Long-term-Gilt-Funds

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.

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.

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 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% .

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 (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.

DateValue
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

Aditya Birla Sun Life Medium Term Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
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 30 Sep 22

DurationReturns
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
YearReturns
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
NameSinceTenure
Sunaina Cunha1 Sep 148 Yr.
Mohit Sharma6 Aug 202.07 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Aug 22

Asset Allocation
Asset ClassValue
Cash17.72%
Equity2.13%
Debt80.15%
Debt Sector Allocation
SectorValue
Corporate49.75%
Government36.42%
Cash Equivalent11.7%
Credit Quality
RatingValue
A3.51%
AA37.47%
AAA59.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.54% Govt Stock 2032
Sovereign Bonds | -
16%₹257 Cr27,000,000
↓ -3,000,000
Shriram City Union Finance Limited
Debentures | -
6%₹102 Cr1,000
Mahindra Rural Housing Finance Limited
Debentures | -
3%₹50 Cr500
Bajaj Housing Finance Limited
Debentures | -
3%₹50 Cr500
Tata Realty And Infrastructure Limited
Debentures | -
3%₹47 Cr480
Bharti Hexacom Limited
Debentures | -
3%₹47 Cr480
JM Financial Credit Solutions Limited
Debentures | -
3%₹44 Cr440
Gic Housing Finance Limited
Debentures | -
2%₹40 Cr400
8.15% Govt Stock 2026
Sovereign Bonds | -
2%₹36 Cr3,500,000
Indusind Bank Limited
Debentures | -
2%₹36 Cr354

2. UTI Short Term Income Fund

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 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% .

Below is the key information for UTI Short Term Income Fund

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.

DateValue
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

UTI Short Term Income Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235
Invest Now

Returns for UTI Short Term Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22

DurationReturns
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
YearReturns
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
NameSinceTenure
Sudhir Agarwal25 Oct 129.85 Yr.

Data below for UTI Short Term Income Fund as on 31 Aug 22

Asset Allocation
Asset ClassValue
Cash34.61%
Debt65.39%
Debt Sector Allocation
SectorValue
Corporate50.65%
Cash Equivalent32.46%
Government16.89%
Credit Quality
RatingValue
AA19.14%
AAA80.86%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Axis Finance Limited
Debentures | -
7%₹161 Cr1,600
7.38% Govt Stock 2027
Sovereign Bonds | -
5%₹116 Cr1,150,000,000
↑ 1,150,000,000
Housing Development Finance Corporation Limited
Debentures | -
3%₹76 Cr750
Power Finance Corporation Ltd.
Debentures | -
3%₹75 Cr750
India Grid TRust
Debentures | -
3%₹74 Cr750
Mahindra Rural Housing Finance Limited
Debentures | -
3%₹69 Cr700
Can Fin Homes Limited
Debentures | -
3%₹64 Cr650
TATA Motors Finance Limited
Debentures | -
3%₹59 Cr600
Rural Electrification Corporation Limited
Debentures | -
2%₹52 Cr500
Shriram Transport Finance Company Limited
Debentures | -
2%₹51 Cr500

3. HDFC Credit Risk Debt Fund

(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 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% .

Below is the key information for HDFC Credit Risk Debt Fund

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.

DateValue
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

HDFC Credit Risk Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for HDFC Credit Risk 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 30 Sep 22

DurationReturns
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
YearReturns
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
NameSinceTenure
Shobhit Mehrotra25 Mar 148.44 Yr.
Priya Ranjan1 May 220.33 Yr.

Data below for HDFC Credit Risk Debt Fund as on 31 Aug 22

Asset Allocation
Asset ClassValue
Cash12.38%
Equity1.68%
Debt85.94%
Debt Sector Allocation
SectorValue
Corporate74.44%
Cash Equivalent12.38%
Government11.5%
Credit Quality
RatingValue
A4.53%
AA54.84%
AAA40.64%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bharti Hexacom Limited
Debentures | -
4%₹354 Cr3,600
Indinfravit TRust
Debentures | -
4%₹343 Cr3,500
Pipeline Infrastructure Limited
Debentures | -
4%₹327 Cr3,200
Power Finance Corporation Ltd.
Debentures | -
3%₹301 Cr2,790
Dlf Cyber City Developers Ltd
Debentures | -
3%₹267 Cr2,750
The Tata Power Company Limited
Debentures | -
3%₹222 Cr2,030
Green Infra Wind Energy Limited
Debentures | -
2%₹206 Cr2,350
TATA Motors Limited
Debentures | -
2%₹205 Cr2,000
7.1% Govt Stock 2029
Sovereign Bonds | -
2%₹199 Cr20,000,000
TVS Credit Services Limited
Debentures | -
2%₹198 Cr200

4. ICICI Prudential Regular Savings Fund

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 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% .

Below is the key information for ICICI Prudential Regular Savings Fund

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.

DateValue
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

ICICI Prudential Regular Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for ICICI Prudential Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22

DurationReturns
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
YearReturns
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
NameSinceTenure
Manish Banthia7 Nov 165.82 Yr.
Akhil Kakkar3 Jun 175.25 Yr.

Data below for ICICI Prudential Regular Savings Fund as on 31 Aug 22

Asset Allocation
Asset ClassValue
Cash17.81%
Equity3.58%
Debt78.61%
Debt Sector Allocation
SectorValue
Corporate71.27%
Cash Equivalent14.76%
Government10.07%
Securitized0.34%
Credit Quality
RatingValue
A11.05%
AA65.52%
AAA22.87%
B0.56%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.54% Govt Stock 2032
Sovereign Bonds | -
3%₹253 Cr26,523,750
↓ -30,000,000
Prestige Estates Projects Limited
Debentures | -
3%₹252 Cr2,500
Nayara Energy Limited
Debentures | -
3%₹243 Cr2,500
Aditya Birla Fashion And Retail Limited
Debentures | -
3%₹222 Cr1,750
Embassy Office Parks Reit
-, Since 31 Jul 20 | -
3%₹207 Cr5,712,698
National Bank For Agriculture And Rural Development
Debentures | -
2%₹198 Cr2,000
↑ 2,000
Ongc Petro Additions Limited
Debentures | -
2%₹197 Cr2,000
182 DTB 16032023
Sovereign Bonds | -
2%₹194 Cr20,000,000
↑ 20,000,000
JM Financial Credit Solutions Limited
Debentures | -
2%₹174 Cr1,750
The Great Eastern Shipping Company Limited
Debentures | -
2%₹173 Cr1,743

5. ICICI Prudential Long Term Plan

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 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% .

Below is the key information for ICICI Prudential Long Term Plan

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.

DateValue
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

ICICI Prudential Long Term Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for ICICI Prudential Long 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 30 Sep 22

DurationReturns
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
YearReturns
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
NameSinceTenure
Manish Banthia28 Sep 129.93 Yr.
Anuj Tagra15 Jan 157.63 Yr.

Data below for ICICI Prudential Long Term Plan as on 31 Aug 22

Asset Allocation
Asset ClassValue
Cash16.41%
Debt83.59%
Debt Sector Allocation
SectorValue
Government43.13%
Corporate40.45%
Cash Equivalent16.41%
Credit Quality
RatingValue
AA34.96%
AAA65.04%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
5.53% Govt Stock 2033
Sovereign Bonds | -
13%₹773 Cr77,450,350
↑ 1,500,000
6.54% Govt Stock 2032
Sovereign Bonds | -
11%₹666 Cr69,836,580
↓ -7,000,000
4.93% Govt Stock 2028
Sovereign Bonds | -
8%₹483 Cr48,878,150
5.38% Govt Stock 2034
Sovereign Bonds | -
8%₹450 Cr45,960,800
↓ -1,500,000
Embassy Office Parks Reit
Debentures | -
2%₹122 Cr1,250
Tata Realty And Infrastructure Limited
Debentures | -
2%₹110 Cr1,100
Varanasi Sangam Expressway Private Limited
Debentures | -
2%₹103 Cr1,080
TATA Motors Finance Solutions Limited
Debentures | -
2%₹98 Cr1,000
TVS Credit Services Limited
Debentures | -
1%₹81 Cr80
Godrej Industries Limited
Debentures | -
1%₹79 Cr800

6. ICICI Prudential Medium Term Bond Fund

(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 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% .

Below is the key information for ICICI Prudential Medium Term Bond Fund

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.

DateValue
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

ICICI Prudential Medium Term Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for ICICI Prudential Medium Term 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 30 Sep 22

DurationReturns
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
YearReturns
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
NameSinceTenure
Manish Banthia7 Nov 165.82 Yr.
Shadab Rizvi3 Jun 175.25 Yr.

Data below for ICICI Prudential Medium Term Bond Fund as on 31 Aug 22

Asset Allocation
Asset ClassValue
Cash21.42%
Debt78.58%
Debt Sector Allocation
SectorValue
Corporate60.31%
Cash Equivalent21.42%
Government18.28%
Credit Quality
RatingValue
AA62.13%
AAA37.87%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.54% Govt Stock 2032
Sovereign Bonds | -
14%₹869 Cr91,110,700
↓ -10,000,000
The Tata Power Company Limited
Debentures | -
5%₹307 Cr3,000
Bangalore Airport Hotel Limited
Debentures | -
4%₹250 Cr2,500
Bharat Sanchar Nigam Limited
Debentures | -
2%₹154 Cr1,610
Ongc Petro Additions Limited
Debentures | -
2%₹147 Cr1,500
The Great Eastern Shipping Company Limited
Debentures | -
2%₹147 Cr1,500
Godrej Properties Limited
Debentures | -
2%₹115 Cr1,150
TVS Credit Services Limited
Debentures | -
2%₹112 Cr110
TATA Motors Finance Solutions Limited
Debentures | -
2%₹102 Cr1,000
Vedanta Limited
Debentures | -
2%₹100 Cr1,000

7. UTI Treasury Advantage Fund

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 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% .

Below is the key information for UTI Treasury Advantage Fund

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.

DateValue
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

UTI Treasury Advantage Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235
Invest Now

Returns for UTI Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22

DurationReturns
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
YearReturns
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
NameSinceTenure
Anurag Mittal1 Dec 210.75 Yr.

Data below for UTI Treasury Advantage Fund as on 31 Aug 22

Asset Allocation
Asset ClassValue
Cash55.35%
Debt44.65%
Debt Sector Allocation
SectorValue
Corporate33.67%
Government33.41%
Cash Equivalent32.92%
Credit Quality
RatingValue
AA10.9%
AAA89.1%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 Dtb 02022023
Sovereign Bonds | -
9%₹244 Cr2,500,000,000
↑ 2,500,000,000
182 Dtb 15122022
Sovereign Bonds | -
5%₹148 Cr1,500,000,000
364 Dtb 09022023
Sovereign Bonds | -
5%₹146 Cr1,500,000,000
↑ 1,500,000,000
Cholamandalam Investment And Fin. Co. Ltd
Debentures | -
4%₹124 Cr1,250
↑ 250
Axis Finance Limited
Debentures | -
4%₹116 Cr1,150
07.02 MH Sdl 2022
Sovereign Bonds | -
4%₹100 Cr1,000,000,000
Mahindra Rural Housing Finance Limited
Debentures | -
3%₹78 Cr800
5.63% Govt Stock 2026
Sovereign Bonds | -
3%₹76 Cr800,000,000
↑ 250,000,000
182 Dtb 29092022
Sovereign Bonds | -
3%₹75 Cr750,000,000
Tata Capital Limited
Debentures | -
2%₹59 Cr600

8. ICICI Prudential Gilt Fund

(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 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% .

Below is the key information for ICICI Prudential Gilt Fund

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.

DateValue
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

ICICI Prudential Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for ICICI Prudential Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22

DurationReturns
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
YearReturns
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
NameSinceTenure
Rahul Goswami27 Sep 129.93 Yr.
Anuj Tagra30 Oct 138.84 Yr.

Data below for ICICI Prudential Gilt Fund as on 31 Aug 22

Asset Allocation
Asset ClassValue
Cash11.19%
Debt88.81%
Debt Sector Allocation
SectorValue
Government88.81%
Cash Equivalent11.19%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
5.53% Govt Stock 2033
Sovereign Bonds | -
51%₹1,255 Cr125,721,700
↑ 1,000,000
4.93% Govt Stock 2028
Sovereign Bonds | -
19%₹471 Cr47,756,299
6.54% Govt Stock 2032
Sovereign Bonds | -
14%₹337 Cr35,387,710
5.38% Govt Stock 2034
Sovereign Bonds | -
4%₹98 Cr10,000,000
↓ -1,000,000
8.03% GOI FCI SPL BONDS 2024
Domestic Bonds | -
0%₹3 Cr250,000
08.15 GOI FCI 2022
Domestic Bonds | -
0%₹1 Cr80,000
08.05 RJ Sdl 2025feb
Sovereign Bonds | -
0%₹1 Cr56,000
Treps
CBLO/Reverse Repo | -
8%₹204 Cr
Net Current Assets
Net Current Assets | -
3%₹68 Cr
06.88 Ts SDL 2025
Sovereign Bonds | -
₹0 Cr00
↓ -200,000

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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