+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 (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 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 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 The investment objective of the scheme is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. There is no assurance or guarantee that the investment objective of the scheme will be achieved Research Highlights for Kotak Medium Term Fund Below is the key information for Kotak Medium Term 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 Savings Fund) The scheme aims to generate income consistent with the prudent risk from a portfolio comprising floating rate debt instruments, fixed rate debt instruments swapped for floating rate return, and also fixed rate instruments & money market instruments. Research Highlights for ICICI Prudential Floating Interest Fund Below is the key information for ICICI Prudential Floating Interest 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 (24 Mar 26) ₹24.2987 ↑ 0.02 (0.09 %) Net Assets (Cr) ₹1,175 on 28 Feb 26 Category Debt - Credit Risk AMC Birla Sun Life Asset Management Co Ltd Rating Risk Moderate Expense Ratio 1.54 Sharpe Ratio 2.39 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 2 Years 7 Months 6 Days Modified Duration 2 Years 4 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,615 28 Feb 23 ₹11,394 29 Feb 24 ₹12,226 28 Feb 25 ₹14,145 28 Feb 26 ₹16,036 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 24 Mar 26 Duration Returns 1 Month -0.1% 3 Month 4.5% 6 Month 6.5% 1 Year 12.4% 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 10.88 Yr. Mohit Sharma 6 Aug 20 5.57 Yr. Data below for Aditya Birla Sun Life Credit Risk Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 10.4% Equity 7.91% Debt 81.4% Other 0.3% Debt Sector Allocation
Sector Value Corporate 60% Government 21.4% Cash Equivalent 10.4% Credit Quality
Rating Value A 16.62% AA 54.7% AAA 28.68% Top Securities Holdings / Portfolio
Name Holding Value Quantity GMR Airports Limited
Debentures | -5% ₹54 Cr 5,200
↑ 1,500 6.79% Gs 2034
Sovereign Bonds | -4% ₹50 Cr 5,000,000 Aditya Birla Real Estate Limited
Debentures | -4% ₹45 Cr 4,500 Jubilant Bevco Limited
Debentures | -4% ₹43 Cr 4,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹40 Cr 4,000 7.10% Gs 2034
Sovereign Bonds | -3% ₹36 Cr 3,500,000 IKF Finance Limited
Debentures | -3% ₹35 Cr 3,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹35 Cr 3,500 Hinduja Leyland Finance Limited
Debentures | -3% ₹35 Cr 3,500 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 (24 Mar 26) ₹42.1516 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹3,070 on 28 Feb 26 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.57 Sharpe Ratio 2.37 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 7.8% Effective Maturity 3 Years 10 Months 24 Days Modified Duration 2 Years 11 Months 16 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹11,001 28 Feb 23 ₹13,264 29 Feb 24 ₹14,263 28 Feb 25 ₹16,044 28 Feb 26 ₹17,708 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 24 Mar 26 Duration Returns 1 Month -0.4% 3 Month 2.3% 6 Month 4.1% 1 Year 9.1% 3 Year 9.7% 5 Year 11.8% 10 Year 15 Year Since launch 8.8% 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 11.5 Yr. Mohit Sharma 6 Aug 20 5.57 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 5.27% Equity 4.28% Debt 90.19% Other 0.26% Debt Sector Allocation
Sector Value Corporate 57.42% Government 32.77% Cash Equivalent 5.27% Credit Quality
Rating Value A 11.55% AA 39.56% AAA 48.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Gs 2034
Sovereign Bonds | -8% ₹247 Cr 24,500,000 7.10% Gs 2034
Sovereign Bonds | -7% ₹218 Cr 21,196,700 National Bank for Agriculture and Rural Development 7.27%
Domestic Bonds | -4% ₹126 Cr 12,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹114 Cr 11,500 Hinduja Leyland Finance Limited
Debentures | -4% ₹108 Cr 11,000 Nuvama Wealth Finance Limited
Debentures | -3% ₹96 Cr 9,500 6.48% Gs 2035
Sovereign Bonds | -3% ₹94 Cr 9,500,000 GMR Airports Limited
Debentures | -3% ₹83 Cr 8,000 Jubilant Bevco Limited
Debentures | -3% ₹80 Cr 7,400 Jtpm Metal TRaders Limited
Debentures | -3% ₹80 Cr 7,673 3. Nippon India Credit Risk Fund
Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (24 Mar 26) ₹36.7534 ↑ 0.01 (0.01 %) Net Assets (Cr) ₹1,059 on 28 Feb 26 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 2.51 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 8.72% Effective Maturity 2 Years 4 Months 28 Days Modified Duration 1 Year 11 Months 23 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹11,340 28 Feb 23 ₹11,770 29 Feb 24 ₹12,752 28 Feb 25 ₹13,811 28 Feb 26 ₹15,050 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Mar 26 Duration Returns 1 Month 0.1% 3 Month 1.4% 6 Month 3% 1 Year 8.1% 3 Year 8.3% 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 7.77 Yr. Sushil Budhia 1 Feb 20 6.08 Yr. Lokesh Maru 5 Sep 25 0.48 Yr. Divya Sharma 5 Sep 25 0.48 Yr. Data below for Nippon India Credit Risk Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 12.09% Debt 87.63% Other 0.28% Debt Sector Allocation
Sector Value Corporate 74.97% Government 17.29% Cash Equivalent 7.45% Credit Quality
Rating Value A 26.83% AA 36.86% AAA 36.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Gs 2031
Sovereign Bonds | -7% ₹77 Cr 7,500,000 Muthoot Fincorp Limited 10.4%
Debentures | -5% ₹48 Cr 50,000
↑ 50,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -4% ₹47 Cr 5,000 TRuhome Finance Limited
Debentures | -4% ₹41 Cr 4,000 Navi Finserv Limited
Debentures | -4% ₹40 Cr 40,000 GAursons India Private Limited
Debentures | -4% ₹40 Cr 4,000 The Sandur Manganese And Iron Ores Limited
Debentures | -4% ₹38 Cr 4,000 Delhi International Airport Limited
Debentures | -3% ₹36 Cr 3,500 Mancherial Repallewada Road Private Limited
Debentures | -3% ₹36 Cr 4,500 Vedanta Limited
Debentures | -3% ₹35 Cr 3,500 4. ICICI Prudential Regular Savings Fund
ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (24 Mar 26) ₹33.4563 ↑ 0.04 (0.13 %) Net Assets (Cr) ₹5,887 on 15 Mar 26 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.43 Sharpe Ratio 3.19 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 8.41% Effective Maturity 3 Years 7 Months 24 Days Modified Duration 2 Years 3 Months 14 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,707 28 Feb 23 ₹11,195 29 Feb 24 ₹12,150 28 Feb 25 ₹13,105 28 Feb 26 ₹14,315 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Mar 26 Duration Returns 1 Month -0.1% 3 Month 1% 6 Month 3.1% 1 Year 8.5% 3 Year 8.1% 5 Year 7.3% 10 Year 15 Year Since launch 8.2% 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 9.32 Yr. Akhil Kakkar 22 Jan 24 2.1 Yr. Data below for ICICI Prudential Regular Savings Fund as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 13.35% Equity 8.85% Debt 77.42% Other 0.39% Debt Sector Allocation
Sector Value Corporate 61.26% Government 16.16% Cash Equivalent 13.35% Credit Quality
Rating Value A 21.44% AA 57.69% AAA 20.87% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Gs 2040
Sovereign Bonds | -6% ₹338 Cr 34,926,400 Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | EMBASSY4% ₹243 Cr 5,715,303 Keystone Realtors Limited
Debentures | -4% ₹234 Cr 23,500 Millennia Realtors Private Limited
Debentures | -4% ₹210 Cr 2,100 Vedanta Limited
Debentures | -3% ₹201 Cr 20,000 Adani Enterprises Limited
Debentures | -3% ₹199 Cr 20,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹188 Cr 18,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -3% ₹186 Cr 18,500 Varroc Engineering Limited
Debentures | -3% ₹172 Cr 25,000 Nirma Limited
Debentures | -3% ₹151 Cr 15,000 5. SBI Credit Risk Fund
SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (24 Mar 26) ₹47.6558 ↑ 0.07 (0.14 %) Net Assets (Cr) ₹2,148 on 15 Mar 26 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 1.78 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 8.41% Effective Maturity 2 Years 1 Month 17 Days Modified Duration 1 Year 8 Months 5 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,585 28 Feb 23 ₹11,036 29 Feb 24 ₹12,016 28 Feb 25 ₹12,958 28 Feb 26 ₹13,991 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Mar 26 Duration Returns 1 Month 0.2% 3 Month 1.3% 6 Month 2.8% 1 Year 7.2% 3 Year 8% 5 Year 6.9% 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 9.08 Yr. Data below for SBI Credit Risk Fund as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 17.03% Equity 4.41% Debt 78.18% Other 0.38% Debt Sector Allocation
Sector Value Corporate 61.85% Cash Equivalent 17.03% Government 16.34% Credit Quality
Rating Value A 18.02% AA 59.04% AAA 22.94% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Gs 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 Jtpm Metal TRaders Limited
Debentures | -4% ₹94 Cr 9,000 The Sandur Manganese And Iron Ores Limited
Debentures | -4% ₹81 Cr 8,500 Renserv Global Private Limited
Debentures | -4% ₹80 Cr 8,000 Avanse Financial Services Limited
Debentures | -4% ₹80 Cr 8,000 Motilal Oswal Home Finance Limited
Debentures | -3% ₹76 Cr 7,500 6. Kotak Medium Term Fund
Kotak Medium Term Fund
Growth Launch Date 25 Mar 14 NAV (24 Mar 26) ₹23.6849 ↑ 0.03 (0.13 %) Net Assets (Cr) ₹2,007 on 28 Feb 26 Category Debt - Medium term Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.63 Sharpe Ratio 1.71 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-18 Months (2%),18 Months and above(NIL) Yield to Maturity 8.09% Effective Maturity 4 Years 6 Months 11 Days Modified Duration 3 Years 25 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,665 28 Feb 23 ₹10,911 29 Feb 24 ₹11,821 28 Feb 25 ₹12,770 28 Feb 26 ₹13,888 Returns for Kotak Medium Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Mar 26 Duration Returns 1 Month -0.5% 3 Month 0.5% 6 Month 2.4% 1 Year 7.3% 3 Year 7.8% 5 Year 6.5% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.9% 2023 9% 2022 6.1% 2021 3.2% 2020 4.7% 2019 8.5% 2018 7% 2017 5.4% 2016 6.6% 2015 10.9% Fund Manager information for Kotak Medium Term Fund
Name Since Tenure Deepak Agrawal 25 Mar 14 11.94 Yr. Vihag Mishra 1 Jun 25 0.75 Yr. Data below for Kotak Medium Term Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 7.79% Equity 9.66% Debt 82.27% Other 0.29% Debt Sector Allocation
Sector Value Corporate 71.25% Government 11.01% Cash Equivalent 7.79% Credit Quality
Rating Value A 7.99% AA 53.68% AAA 38.33% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jtpm Metal TRaders Limited
Debentures | -5% ₹104 Cr 10,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -5% ₹100 Cr 10,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -5% ₹91 Cr 9,000 Adani Power Ltd
Debentures | -4% ₹90 Cr 9,000 Embassy Office Parks REIT (Real Estate)
-, Since 31 May 21 | EMBASSY4% ₹85 Cr 1,998,346 TATA Steel Limited
Debentures | -4% ₹76 Cr 750 Pipeline Infrastructure Limited
Debentures | -3% ₹64 Cr 6,280 Aditya Birla Renewables Limited
Debentures | -3% ₹60 Cr 6,000 Aditya Birla Real Estate Limited
Debentures | -3% ₹56 Cr 5,500 Indigrid Infrastructure Trust
Debentures | -3% ₹51 Cr 5,000 7. Axis Strategic Bond Fund
Axis Strategic Bond Fund
Growth Launch Date 28 Mar 12 NAV (24 Mar 26) ₹29.1277 ↑ 0.02 (0.07 %) Net Assets (Cr) ₹2,122 on 28 Feb 26 Category Debt - Medium term Bond AMC Axis Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.08 Sharpe Ratio 1.44 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 7.91% Effective Maturity 5 Years 1 Month 17 Days Modified Duration 3 Years 6 Months 7 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,601 28 Feb 23 ₹11,016 29 Feb 24 ₹11,916 28 Feb 25 ₹12,891 28 Feb 26 ₹13,955 Returns for Axis Strategic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Mar 26 Duration Returns 1 Month -0.2% 3 Month 0.8% 6 Month 2.4% 1 Year 6.9% 3 Year 7.7% 5 Year 6.7% 10 Year 15 Year Since launch 7.9% 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 13.32 Yr. Sachin Jain 1 Feb 23 3.08 Yr. Akhil Thakker 1 Feb 23 3.08 Yr. Data below for Axis Strategic Bond Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 6.01% Equity 2.27% Debt 91.44% Other 0.28% Debt Sector Allocation
Sector Value Corporate 58.6% Government 32.84% Cash Equivalent 6.01% Credit Quality
Rating Value A 12.29% AA 48.07% AAA 39.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.10% Gs 2034
Sovereign Bonds | -5% ₹115 Cr 11,200,000 Jubilant Beverages Limited
Debentures | -3% ₹70 Cr 6,500 GMR Hyderabad International Airport Ltd
Debentures | -3% ₹67 Cr 6,500 6.48% Gs 2035
Sovereign Bonds | -3% ₹67 Cr 6,800,000 7.18% Tamilnadu Sgs 2033
Sovereign Bonds | -3% ₹63 Cr 6,358,600 Vedanta Limited
Debentures | -3% ₹60 Cr 6,000 Adani Power Limited
Debentures | -3% ₹60 Cr 6,000 Jubilant Bevco Limited
Debentures | -3% ₹60 Cr 5,500 Nuvama Wealth Finance Limited
Debentures | -3% ₹58 Cr 5,800 Delhi International Airport Limited
Debentures | -3% ₹57 Cr 5,500 8. ICICI Prudential Floating Interest Fund
ICICI Prudential Floating Interest Fund
Growth Launch Date 18 Nov 05 NAV (24 Mar 26) ₹442.912 ↓ -0.14 (-0.03 %) Net Assets (Cr) ₹7,215 on 15 Mar 26 Category Debt - Floating Rate AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.2 Sharpe Ratio 1.91 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.07% Effective Maturity 3 Years 25 Days Modified Duration 1 Year 8 Months 1 Day Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,336 28 Feb 23 ₹10,889 29 Feb 24 ₹11,743 28 Feb 25 ₹12,688 28 Feb 26 ₹13,637 Returns for ICICI Prudential Floating Interest Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Mar 26 Duration Returns 1 Month 0.1% 3 Month 1% 6 Month 2.8% 1 Year 7% 3 Year 7.7% 5 Year 6.4% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 8% 2022 7.7% 2021 4.3% 2020 3.8% 2019 9.5% 2018 8.4% 2017 6.6% 2016 6.8% 2015 8.9% Fund Manager information for ICICI Prudential Floating Interest Fund
Name Since Tenure Ritesh Lunawat 13 Sep 24 1.46 Yr. Darshil Dedhia 12 Jun 23 2.72 Yr. Data below for ICICI Prudential Floating Interest Fund as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 55.43% Debt 44.11% Other 0.47% Debt Sector Allocation
Sector Value Corporate 57.32% Cash Equivalent 53.82% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Goi Floating Rate Bond 2033
Sovereign Bonds | -9% ₹667 Cr 64,259,930
↓ -23,107,650 6.48% Gs 2035
Sovereign Bonds | -7% ₹489 Cr 49,592,300
↓ -30,000,000 LIC Housing Finance Ltd
Debentures | -5% ₹369 Cr 3,650 Tata Capital Limited
Debentures | -3% ₹253 Cr 2,500 Rec Limited
Debentures | -3% ₹227 Cr 22,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹207 Cr 20,500 7.24% Bihar Sgs 2031
Sovereign Bonds | -3% ₹202 Cr 20,000,000 LIC Housing Finance Ltd
Debentures | -3% ₹201 Cr 20,000 Karnataka (Government of)
- | -3% ₹200 Cr 20,000,000
↑ 20,000,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹177 Cr 175
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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