+91-22-48913909FD 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 |
Fund Selection Methodology used to find 8 funds
Top 8 Best Performing Debt Funds 2026
Below is the list of Debt funds having Net Assets/AUM above 1000 Crore and sorted on 3 Year compounded (CAGR) returns.
(Erstwhile Aditya Birla Sun Life Corporate Bond Fund) The investment objective of the Scheme is to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved. Below is the key information for Aditya Birla Sun Life Credit Risk Fund Returns up to 1 year are on 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 Below is the key information for Aditya Birla Sun Life Medium Term Plan 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. Research Highlights for ICICI Prudential Regular Savings Fund Below is the key information for ICICI Prudential Regular Savings Fund Returns up to 1 year are on (Erstwhile Reliance Regular Savings Fund - Debt Plan) The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & Money Market Instruments. Research Highlights for Nippon India Credit Risk Fund Below is the key information for Nippon India Credit Risk Fund Returns up to 1 year are on The Scheme aims to provide reasonable returns by investing in portfolio of Government Securities with average maturity of around 10 years. However, there can be no assurance that the investment objective of the
Scheme will be realized. Research Highlights for ICICI Prudential Constant Maturity Gilt Fund Below is the key information for ICICI Prudential Constant Maturity Gilt 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 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 Below is the key information for Axis Strategic Bond Fund 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. Research Highlights for ICICI Prudential Medium Term Bond Fund Below is the key information for ICICI Prudential Medium Term Bond Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Credit Risk Fund
Growth Launch Date 17 Apr 15 NAV (21 Jan 26) ₹24.0607 ↓ -0.01 (-0.03 %) Net Assets (Cr) ₹1,092 on 31 Dec 25 Category Debt - Credit Risk AMC Birla Sun Life Asset Management Co Ltd Rating Risk Moderate Expense Ratio 1.54 Sharpe Ratio 2.08 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 7.96% Effective Maturity 3 Years 2 Months 23 Days Modified Duration 2 Years 4 Months 28 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,636 31 Dec 22 ₹11,391 31 Dec 23 ₹12,176 31 Dec 24 ₹13,627 31 Dec 25 ₹15,457 Returns for Aditya Birla Sun Life Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 3.5% 3 Month 4.5% 6 Month 6.7% 1 Year 16.6% 3 Year 11.8% 5 Year 9.7% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 13.4% 2023 11.9% 2022 6.9% 2021 7.1% 2020 6.4% 2019 9.4% 2018 2.1% 2017 6.6% 2016 8.1% 2015 10.3% Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
Name Since Tenure Sunaina Cunha 17 Apr 15 10.72 Yr. Mohit Sharma 6 Aug 20 5.41 Yr. Data below for Aditya Birla Sun Life Credit Risk Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 6.5% Equity 7.41% Debt 85.77% Other 0.32% Debt Sector Allocation
Sector Value Corporate 62.69% Government 23.08% Cash Equivalent 6.5% Credit Quality
Rating Value A 14.57% AA 54.68% AAA 30.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -6% ₹61 Cr 6,000,000
↓ -1,500,000 Aditya Birla Real Estate Limited
Debentures | -4% ₹45 Cr 4,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹41 Cr 4,000 GMR Airports Limited
Debentures | -3% ₹38 Cr 3,700 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹36 Cr 3,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -3% ₹36 Cr 3,500,000 IKF Finance Limited
Debentures | -3% ₹35 Cr 3,500 Hinduja Leyland Finance Limited
Debentures | -3% ₹35 Cr 3,500 Jubilant Bevco Limited
Debentures | -3% ₹32 Cr 3,000 Kogta Financial (India) Limited
Debentures | -3% ₹32 Cr 3,250 2. Aditya Birla Sun Life Medium Term Plan
Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (21 Jan 26) ₹41.884 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹2,905 on 31 Dec 25 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.57 Sharpe Ratio 2.01 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 7.78% Effective Maturity 4 Years 6 Months 7 Days Modified Duration 3 Years 4 Months 24 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,710 31 Dec 22 ₹13,367 31 Dec 23 ₹14,292 31 Dec 24 ₹15,787 31 Dec 25 ₹17,510 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 21 Jan 26 Duration Returns 1 Month 1.8% 3 Month 2.4% 6 Month 4.2% 1 Year 12.1% 3 Year 9.9% 5 Year 12.1% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.9% 2023 10.5% 2022 6.9% 2021 24.8% 2020 7.1% 2019 8.1% 2018 -4.4% 2017 5.6% 2016 7% 2015 10.9% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 11.34 Yr. Mohit Sharma 6 Aug 20 5.41 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 4.85% Equity 4.1% Debt 90.79% Other 0.25% Debt Sector Allocation
Sector Value Corporate 56.52% Government 34.28% Cash Equivalent 4.85% Credit Quality
Rating Value A 10.07% AA 38.92% AAA 51.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -10% ₹283 Cr 28,000,000
↓ -5,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -8% ₹244 Cr 23,696,700 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹191 Cr 18,500,000 Hinduja Leyland Finance Limited
Debentures | -4% ₹109 Cr 11,000
↑ 2,500 Nuvama Wealth Finance Limited
Debentures | -3% ₹96 Cr 9,500 GMR Airports Limited
Debentures | -3% ₹81 Cr 8,000 Jubilant Bevco Limited
Debentures | -3% ₹79 Cr 7,400 Jtpm Metal TRaders Limited
Debentures | -3% ₹79 Cr 7,673 Indian Railway Finance Corporation Limited
Debentures | -3% ₹75 Cr 7,500 Kogta Financial (India) Limited
Debentures | -2% ₹72 Cr 7,250 3. ICICI Prudential Regular Savings Fund
ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (21 Jan 26) ₹33.2223 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹5,920 on 31 Dec 25 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.43 Sharpe Ratio 3.32 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 8.28% Effective Maturity 2 Years 11 Months 19 Days Modified Duration 1 Year 10 Months 24 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,623 31 Dec 22 ₹11,160 31 Dec 23 ₹11,968 31 Dec 24 ₹12,981 31 Dec 25 ₹14,218 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.4% 6 Month 3.6% 1 Year 9% 3 Year 8.3% 5 Year 7.3% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.5% 2023 8.5% 2022 7.2% 2021 5.1% 2020 6.2% 2019 9.8% 2018 9.5% 2017 6.6% 2016 6.8% 2015 9.5% Fund Manager information for ICICI Prudential Regular Savings Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.16 Yr. Akhil Kakkar 22 Jan 24 1.94 Yr. Data below for ICICI Prudential Regular Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 14.57% Equity 9.55% Debt 75.5% Other 0.38% Debt Sector Allocation
Sector Value Corporate 69.43% Cash Equivalent 13.75% Government 6.89% Credit Quality
Rating Value A 21.46% AA 57.58% AAA 20.96% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | EMBASSY4% ₹252 Cr 5,791,885 Keystone Realtors Limited
Debentures | -4% ₹235 Cr 23,500 Millennia Realtors Private Limited
Debentures | -4% ₹211 Cr 2,100 Vedanta Limited
Debentures | -3% ₹201 Cr 20,000 Adani Enterprises Limited
Debentures | -3% ₹199 Cr 20,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -3% ₹187 Cr 18,500 Jtpm Metal TRaders Limited
Debentures | -3% ₹186 Cr 18,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹175 Cr 17,017,530 Varroc Engineering Limited
Debentures | -3% ₹172 Cr 25,000 Nirma Limited
Debentures | -3% ₹151 Cr 15,000 4. Nippon India Credit Risk Fund
Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (21 Jan 26) ₹36.3002 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹1,016 on 31 Dec 25 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 2.73 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 6.91% Effective Maturity 9 Months 7 Days Modified Duration 8 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹11,350 31 Dec 22 ₹11,790 31 Dec 23 ₹12,725 31 Dec 24 ₹13,778 31 Dec 25 ₹15,010 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.2% 3 Month 1% 6 Month 2.7% 1 Year 8.4% 3 Year 8.2% 5 Year 8.4% 10 Year 15 Year Since launch 6.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.9% 2023 8.3% 2022 7.9% 2021 3.9% 2020 13.5% 2019 -5.9% 2018 1.9% 2017 6.1% 2016 7% 2015 10% Fund Manager information for Nippon India Credit Risk Fund
Name Since Tenure Kinjal Desai 25 May 18 7.61 Yr. Sushil Budhia 1 Feb 20 5.92 Yr. Lokesh Maru 5 Sep 25 0.32 Yr. Divya Sharma 5 Sep 25 0.32 Yr. Data below for Nippon India Credit Risk Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 3.85% Debt 95.86% Other 0.29% Debt Sector Allocation
Sector Value Corporate 77.46% Government 18.4% Cash Equivalent 3.85% Credit Quality
Rating Value A 29.3% AA 37.99% AAA 32.71% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -8% ₹77 Cr 7,500,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹47 Cr 5,000 TRuhome Finance Limited
Debentures | -4% ₹41 Cr 4,000 Gaursons India Pvt Ltd. 10.96%
Debentures | -4% ₹40 Cr 4,000
↑ 4,000 Navi Finserv Limited
Debentures | -4% ₹39 Cr 40,000
↑ 40,000 The Sandur Manganese And Iron Ores Limited
Debentures | -4% ₹38 Cr 4,000 Mancherial Repallewada Road Private Limited
Debentures | -4% ₹36 Cr 4,500 Delhi International Airport Limited
Debentures | -4% ₹36 Cr 3,500 Vedanta Limited
Debentures | -3% ₹35 Cr 3,500 Renserv Global Private Limited
Debentures | -3% ₹35 Cr 3,500 5. ICICI Prudential Constant Maturity Gilt Fund
ICICI Prudential Constant Maturity Gilt Fund
Growth Launch Date 12 Sep 14 NAV (21 Jan 26) ₹25.1754 ↑ 0.03 (0.13 %) Net Assets (Cr) ₹2,550 on 31 Dec 25 Category Debt - 10 Yr Govt Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.39 Sharpe Ratio 0.45 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-7 Days (0.25%),7 Days and above(NIL) Yield to Maturity 6.82% Effective Maturity 9 Years 7 Months 13 Days Modified Duration 6 Years 9 Months 25 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,279 31 Dec 22 ₹10,405 31 Dec 23 ₹11,208 31 Dec 24 ₹12,246 31 Dec 25 ₹13,165 Returns for ICICI Prudential Constant Maturity Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.2% 3 Month 0.4% 6 Month 0.7% 1 Year 6.8% 3 Year 8% 5 Year 5.7% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.5% 2023 9.3% 2022 7.7% 2021 1.2% 2020 2.8% 2019 13.6% 2018 12.8% 2017 9.7% 2016 2.4% 2015 16.2% Fund Manager information for ICICI Prudential Constant Maturity Gilt Fund
Name Since Tenure Manish Banthia 22 Jan 24 1.95 Yr. Raunak Surana 22 Jan 24 1.95 Yr. Data below for ICICI Prudential Constant Maturity Gilt Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 2.12% Debt 97.88% Debt Sector Allocation
Sector Value Government 97.88% Cash Equivalent 2.12% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.64% Govt Stock 2035
Sovereign Bonds | -29% ₹728 Cr 73,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -20% ₹511 Cr 49,719,850 7.18% Govt Stock 2037
Sovereign Bonds | -16% ₹420 Cr 41,000,000
↑ 500,000 6.79% Govt Stock 2034
Sovereign Bonds | -16% ₹412 Cr 40,874,500
↓ -1,500,000 7.41% Govt Stock 2036
Sovereign Bonds | -14% ₹350 Cr 33,500,000
↑ 1,500,000 6.19% Govt Stock 2034
Sovereign Bonds | -1% ₹29 Cr 3,000,000 6.67% Govt Stock 2035
Sovereign Bonds | -1% ₹25 Cr 2,500,000 6.92% Govt Stock 2039
Sovereign Bonds | -1% ₹20 Cr 2,000,000 Net Current Assets
Net Current Assets | -1% ₹29 Cr Treps
CBLO/Reverse Repo | -1% ₹25 Cr 6. SBI Credit Risk Fund
SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (21 Jan 26) ₹47.041 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹2,175 on 31 Dec 25 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 1.8 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 8.15% Effective Maturity 2 Years 10 Months 17 Days Modified Duration 2 Years 1 Month 24 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,495 31 Dec 22 ₹10,941 31 Dec 23 ₹11,851 31 Dec 24 ₹12,809 31 Dec 25 ₹13,823 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.1% 3 Month 0.8% 6 Month 2.3% 1 Year 7.3% 3 Year 7.9% 5 Year 6.7% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 8.1% 2022 8.3% 2021 4.2% 2020 5% 2019 9.8% 2018 6.5% 2017 6.2% 2016 6.9% 2015 10.5% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 8.92 Yr. Data below for SBI Credit Risk Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 11.48% Equity 4.14% Debt 84% Other 0.38% Debt Sector Allocation
Sector Value Corporate 65.59% Government 18.41% Cash Equivalent 11.48% Credit Quality
Rating Value A 15.14% AA 61.3% AAA 23.56% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -7% ₹154 Cr 15,000,000 Infopark Properties Limited
Debentures | -5% ₹105 Cr 10,500 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹103 Cr 11,000 H.G. Infra Engineering Limited
Debentures | -5% ₹100 Cr 10,000 Nj Capital Private Limited
Debentures | -5% ₹99 Cr 10,000 6.48% Govt Stock 2035
Sovereign Bonds | -5% ₹99 Cr 10,000,000 Jtpm Metal TRaders Limited
Debentures | -4% ₹93 Cr 9,000 Avanse Financial Services Limited
Debentures | -4% ₹80 Cr 8,000 The Sandur Manganese And Iron Ores Limited
Debentures | -4% ₹80 Cr 8,500 Renserv Global Private Limited
Debentures | -4% ₹80 Cr 8,000 7. Axis Strategic Bond Fund
Axis Strategic Bond Fund
Growth Launch Date 28 Mar 12 NAV (21 Jan 26) ₹28.8918 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹2,059 on 31 Dec 25 Category Debt - Medium term Bond AMC Axis Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.08 Sharpe Ratio 1.39 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 7.86% Effective Maturity 4 Years 7 Months 6 Days Modified Duration 3 Years 3 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,521 31 Dec 22 ₹10,921 31 Dec 23 ₹11,716 31 Dec 24 ₹12,734 31 Dec 25 ₹13,784 Returns for Axis Strategic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.1% 3 Month 0.8% 6 Month 2.3% 1 Year 7.7% 3 Year 7.9% 5 Year 6.6% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.2% 2023 8.7% 2022 7.3% 2021 3.8% 2020 5.2% 2019 10.5% 2018 7.1% 2017 6.7% 2016 7.5% 2015 11.6% Fund Manager information for Axis Strategic Bond Fund
Name Since Tenure Devang Shah 5 Nov 12 13.16 Yr. Sachin Jain 1 Feb 23 2.92 Yr. Akhil Thakker 1 Feb 23 2.92 Yr. Data below for Axis Strategic Bond Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 6.99% Equity 1.42% Debt 91.32% Other 0.28% Debt Sector Allocation
Sector Value Corporate 62.62% Government 31.11% Cash Equivalent 4.59% Credit Quality
Rating Value A 12.3% AA 45.15% AAA 42.56% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.48% Govt Stock 2035
Sovereign Bonds | -6% ₹117 Cr 11,800,000
↑ 6,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -6% ₹115 Cr 11,200,000 6.68% Govt Stock 2040
Sovereign Bonds | -4% ₹73 Cr 7,500,000
↑ 5,000,000 Jubilant Beverages Limited
Debentures | -3% ₹70 Cr 6,500 GMR Hyderabad International Airport Ltd
Debentures | -3% ₹66 Cr 6,500 Tamil Nadu (Government of) 7.18%
- | -3% ₹63 Cr 6,358,600
↑ 6,358,600 Vedanta Limited
Debentures | -3% ₹60 Cr 6,000 Jubilant Bevco Limited
Debentures | -3% ₹59 Cr 5,500
↑ 2,500 Nuvama Wealth Finance Limited
Debentures | -3% ₹58 Cr 5,800 Delhi International Airport Limited
Debentures | -3% ₹57 Cr 5,500 8. ICICI Prudential Medium Term Bond Fund
ICICI Prudential Medium Term Bond Fund
Growth Launch Date 15 Sep 04 NAV (21 Jan 26) ₹46.523 ↓ -0.02 (-0.04 %) Net Assets (Cr) ₹5,708 on 31 Dec 25 Category Debt - Medium term Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderate Expense Ratio 1.37 Sharpe Ratio 2.06 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 7.92% Effective Maturity 5 Years 10 Months 10 Days Modified Duration 3 Years 2 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,551 31 Dec 22 ₹10,992 31 Dec 23 ₹11,764 31 Dec 24 ₹12,708 31 Dec 25 ₹13,849 Returns for ICICI Prudential Medium Term Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.2% 3 Month 1% 6 Month 2.9% 1 Year 8.3% 3 Year 7.8% 5 Year 6.7% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 9% 2023 8% 2022 7% 2021 4.2% 2020 5.5% 2019 10.4% 2018 9.2% 2017 5.1% 2016 6.5% 2015 10.2% Fund Manager information for ICICI Prudential Medium Term Bond Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.16 Yr. Akhil Kakkar 22 Jan 24 1.95 Yr. Data below for ICICI Prudential Medium Term Bond Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 11.12% Equity 8.96% Debt 79.59% Other 0.33% Debt Sector Allocation
Sector Value Corporate 66.91% Government 13.11% Cash Equivalent 10.69% Credit Quality
Rating Value AA 62.55% AAA 37.45% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | EMBASSY4% ₹207 Cr 4,765,556 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹192 Cr 18,708,200 7.34% Govt Stock 2064
Sovereign Bonds | -3% ₹187 Cr 18,801,500 Adani Enterprises Limited
Debentures | -3% ₹174 Cr 17,500 Vedanta Limited
Debentures | -3% ₹171 Cr 17,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹155 Cr 15,000 Oberoi Realty Limited
Debentures | -3% ₹152 Cr 15,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹151 Cr 150 TATA Projects Limited
Debentures | -3% ₹151 Cr 15,000 Godrej Properties Limited
Debentures | -2% ₹127 Cr 12,500
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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