+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 (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 IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized. Research Highlights for Bandhan Government Securities Fund - Investment Plan Below is the key information for Bandhan Government Securities Fund - Investment Plan 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 1. Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Credit Risk Fund
Growth Launch Date 17 Apr 15 NAV (03 Nov 26) ₹25.4722 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹1,657 on 30 Sep 26 Category Debt - Credit Risk AMC Birla Sun Life Asset Management Co Ltd Rating Risk Moderate Expense Ratio 1.59 Sharpe Ratio 1.61 Information Ratio 1.23 Alpha Ratio 4.78 Min Investment 1,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 8.24% Effective Maturity 2 Years 2 Months 12 Days Modified Duration 1 Year 7 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,658 31 Oct 23 ₹11,393 31 Oct 24 ₹12,786 31 Oct 25 ₹14,488 31 Oct 26 ₹15,968 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 3 Nov 26 Duration Returns 1 Month 0.1% 3 Month 0.8% 6 Month 3.5% 1 Year 10.4% 3 Year 12% 5 Year 9.9% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 13.4% 2024 11.9% 2023 6.9% 2022 7.1% 2021 6.4% 2020 9.4% 2019 2.1% 2018 6.6% 2017 8.1% 2016 10.3% Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
Name Since Tenure Sunaina Cunha 17 Apr 15 11.47 Yr. Mohit Sharma 6 Aug 20 6.16 Yr. Data below for Aditya Birla Sun Life Credit Risk Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 8.68% Equity 6.93% Debt 84.03% Other 0.35% Debt Sector Allocation
Sector Value Corporate 71.6% Government 12.43% Cash Equivalent 8.68% Credit Quality
Rating Value A 4.5% AA 69.04% AAA 26.46% Top Securities Holdings / Portfolio
Name Holding Value Quantity Rec Limited
Debentures | -6% ₹99 Cr 10,000
↑ 5,000 SK Finance Limited
Debentures | -5% ₹92 Cr 9,300 Eris Lifesciences Limited
Debentures | -5% ₹79 Cr 7,900
↑ 500 Jubilant Bevco Limited
Debentures | -4% ₹73 Cr 6,500 6.94% Govt Stock 2036
Sovereign Bonds | -4% ₹73 Cr 7,500,000
↑ 2,000,000 Jtpm Metal TRaders Limited
Debentures | -4% ₹63 Cr 5,877 Adani Airport Holdings Limited
Debentures | -3% ₹59 Cr 6,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹58 Cr 6,000
↑ 6,000 GMR Airports Limited
Debentures | -3% ₹55 Cr 5,200 Small Industries Development Bank Of India
Debentures | -3% ₹49 Cr 5,000 2. Aditya Birla Sun Life Medium Term Plan
Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (03 Nov 26) ₹43.7614 ↑ 0.02 (0.05 %) Net Assets (Cr) ₹3,370 on 30 Sep 26 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 0.92 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 7.99% Effective Maturity 4 Years 25 Days Modified Duration 2 Years 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹12,395 31 Oct 23 ₹13,234 31 Oct 24 ₹14,687 31 Oct 25 ₹16,327 31 Oct 26 ₹17,410 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 3 Nov 26 Duration Returns 1 Month 0.1% 3 Month 0.2% 6 Month 3% 1 Year 6.9% 3 Year 9.6% 5 Year 11.8% 10 Year 15 Year Since launch 8.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 10.9% 2024 10.5% 2023 6.9% 2022 24.8% 2021 7.1% 2020 8.1% 2019 -4.4% 2018 5.6% 2017 7% 2016 10.9% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 12.09 Yr. Mohit Sharma 6 Aug 20 6.16 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 14.53% Equity 3.99% Debt 81.25% Other 0.23% Debt Sector Allocation
Sector Value Corporate 54.75% Government 26.5% Cash Equivalent 14.53% Credit Quality
Rating Value A 5.77% AA 48.97% AAA 45.26% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -7% ₹238 Cr 24,500,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹123 Cr 12,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹112 Cr 11,500 Hinduja Leyland Finance Limited
Debentures | -3% ₹109 Cr 11,000 Cholamandalam Investment And Finance Company Limited
Debentures | -3% ₹102 Cr 10,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹98 Cr 10,000
↑ 5,000 Small Industries Development Bank Of India
Debentures | -3% ₹98 Cr 10,000
↑ 10,000 Oxyzo Financial Services Limited
Debentures | -3% ₹89 Cr 9,000 GMR Airports Limited
Debentures | -3% ₹85 Cr 8,000 Jubilant Bevco Limited
Debentures | -2% ₹83 Cr 7,400 3. ICICI Prudential Regular Savings Fund
ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (03 Nov 26) ₹34.8708 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹6,320 on 30 Sep 26 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.4 Sharpe Ratio 0.97 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 8.57% Effective Maturity 2 Years 11 Months 19 Days Modified Duration 1 Year 10 Months 20 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,472 31 Oct 23 ₹11,198 31 Oct 24 ₹12,232 31 Oct 25 ₹13,330 31 Oct 26 ₹14,143 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Nov 26 Duration Returns 1 Month 0.2% 3 Month 0.7% 6 Month 3.4% 1 Year 6.2% 3 Year 8.1% 5 Year 7.2% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2025 9.5% 2024 8.5% 2023 7.2% 2022 5.1% 2021 6.2% 2020 9.8% 2019 9.5% 2018 6.6% 2017 6.8% 2016 9.5% Fund Manager information for ICICI Prudential Regular Savings Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.9 Yr. Akhil Kakkar 22 Jan 24 2.69 Yr. Data below for ICICI Prudential Regular Savings Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Equity 8.97% Debt 91.04% Other 0.38% Debt Sector Allocation
Sector Value Corporate 64.01% Government 27.03% Credit Quality
Rating Value A 8.32% AA 70.2% AAA 21.48% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -5% ₹310 Cr 31,964,800
↑ 10,000,000 Jtpm Metal TRaders Limited
Debentures | -4% ₹275 Cr 25,500 Adani Enterprises Limited
Debentures | -3% ₹199 Cr 20,000 Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 5426023% ₹198 Cr 4,560,807
↓ -213,921 TRuhome Finance Limited
Debentures | -3% ₹198 Cr 20,000 Vedanta Aluminium Metal Limited
Debentures | -3% ₹175 Cr 17,500 Nirma Limited
Debentures | -2% ₹150 Cr 15,000 Aavas Financiers Limited
Debentures | -2% ₹149 Cr 15,000 Hiranandani Financial Services Private Limited
Debentures | -2% ₹148 Cr 15,000 Keystone Realtors Limited
Debentures | -2% ₹139 Cr 23,500 4. Nippon India Credit Risk Fund
Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (03 Nov 26) ₹38.257 ↑ 0.02 (0.05 %) Net Assets (Cr) ₹1,708 on 30 Sep 26 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 0.7 Sharpe Ratio 0.82 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 0.09% Effective Maturity 2 Years 1 Month 13 Days Modified Duration 1 Year 9 Months 11 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,384 31 Oct 23 ₹11,198 31 Oct 24 ₹12,120 31 Oct 25 ₹13,248 31 Oct 26 ₹14,053 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Nov 26 Duration Returns 1 Month 0.3% 3 Month 0.9% 6 Month 3.4% 1 Year 6.2% 3 Year 7.9% 5 Year 7% 10 Year 15 Year Since launch 6.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 8.9% 2024 8.3% 2023 7.9% 2022 3.9% 2021 13.5% 2020 -5.9% 2019 1.9% 2018 6.1% 2017 7% 2016 10% Fund Manager information for Nippon India Credit Risk Fund
Name Since Tenure Kinjal Desai 25 May 18 8.36 Yr. Sushil Budhia 1 Feb 20 6.67 Yr. Amber Singhania 11 Mar 26 0.56 Yr. Data below for Nippon India Credit Risk Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 8.96% Debt 90.8% Other 0.25% Debt Sector Allocation
Sector Value Corporate 72.73% Government 19.62% Cash Equivalent 4.13% Securitized 3.27% Credit Quality
Rating Value A 21.01% AA 42.42% AAA 36.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity Triumph Composites Private Limited
Debentures | -5% ₹79 Cr 8,000 10.5% Earlysalary Services Private Limited
Debentures | -4% ₹64 Cr 6,500
↑ 6,500 Prospera Healthcorp Private Limited
Debentures | -4% ₹64 Cr 6,500 SAMRIDDHI TRUST SERIES 3
Unlisted bonds | -3% ₹56 Cr 52
↑ 52 Adani Airport Holdings Limited
Debentures | -3% ₹54 Cr 5,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹54 Cr 5,500 Delhi International Airport Limited
Debentures | -3% ₹51 Cr 5,000 HDFC Bank Ltd.
Debentures | -3% ₹49 Cr 1,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹49 Cr 5,000 6.36% Govt Stock 2031
Sovereign Bonds | -3% ₹49 Cr 5,000,000 5. SBI Credit Risk Fund
SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (03 Nov 26) ₹49.8102 ↑ 0.03 (0.06 %) Net Assets (Cr) ₹2,182 on 30 Sep 26 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 1.02 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 8.86% Effective Maturity 2 Years 9 Months 18 Days Modified Duration 2 Years 25 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,378 31 Oct 23 ₹11,224 31 Oct 24 ₹12,136 31 Oct 25 ₹13,136 31 Oct 26 ₹13,980 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Nov 26 Duration Returns 1 Month 0.1% 3 Month 0.9% 6 Month 3.8% 1 Year 6.6% 3 Year 7.7% 5 Year 7% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.9% 2024 8.1% 2023 8.3% 2022 4.2% 2021 5% 2020 9.8% 2019 6.5% 2018 6.2% 2017 6.9% 2016 10.5% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 9.67 Yr. Prashanth Sridhar 1 Jul 26 0.25 Yr. Data below for SBI Credit Risk Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 4.81% Equity 5.7% Debt 85.88% Other 3.61% Debt Sector Allocation
Sector Value Corporate 73.42% Government 12.45% Cash Equivalent 4.81% Credit Quality
Rating Value A 7.34% AA 73.28% AAA 19.39% Top Securities Holdings / Portfolio
Name Holding Value Quantity H.G. Infra Engineering Limited
Debentures | -5% ₹101 Cr 10,000 Nj Capital Private Limited
Debentures | -5% ₹99 Cr 10,000 TATA Projects Limited
Debentures | -5% ₹99 Cr 10,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹99 Cr 11,000 Jtpm Metal TRaders Limited
Debentures | -4% ₹97 Cr 9,000 Lodha Developers Limited
Debentures | -4% ₹86 Cr 10,000 Renserv Global Private Limited
Debentures | -4% ₹80 Cr 8,000 Jsw Jfe Kalinga Steel Limited
Debentures | -4% ₹78 Cr 7,500 Aditya Birla Renewables Limited
Debentures | -3% ₹75 Cr 7,500 Motilal Oswal Home Finance Limited
Debentures | -3% ₹75 Cr 7,500 6. Bandhan Government Securities Fund - Investment Plan
Bandhan Government Securities Fund - Investment Plan
Growth Launch Date 3 Dec 08 NAV (03 Nov 26) ₹37.6212 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹1,686 on 30 Sep 26 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.14 Sharpe Ratio 0.36 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 5.29% Effective Maturity 1 Year 9 Months 25 Days Modified Duration 9 Months 14 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,044 31 Oct 23 ₹10,625 31 Oct 24 ₹11,980 31 Oct 25 ₹12,415 31 Oct 26 ₹13,257 Returns for Bandhan Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Nov 26 Duration Returns 1 Month 0.3% 3 Month 0.6% 6 Month 4.6% 1 Year 6.7% 3 Year 7.6% 5 Year 5.8% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 3.7% 2024 10.6% 2023 6.8% 2022 1.4% 2021 2.1% 2020 13.7% 2019 13.3% 2018 7.8% 2017 3.1% 2016 13.9% Fund Manager information for Bandhan Government Securities Fund - Investment Plan
Name Since Tenure Suyash Choudhary 15 Oct 10 15.97 Yr. Brijesh Shah 10 Jun 24 2.31 Yr. Data below for Bandhan Government Securities Fund - Investment Plan as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 93.19% Debt 6.81% Debt Sector Allocation
Sector Value Cash Equivalent 93.19% Government 6.81% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.36% Govt Stock 2052
Sovereign Bonds | -6% ₹105 Cr 11,100,000 7.3% Govt Stock 2053
Sovereign Bonds | -1% ₹9 Cr 1,000,000 Triparty Repo Trp_161026
CBLO/Reverse Repo | -93% ₹1,562 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹6 Cr Net Current Assets
Net Current Assets | -0% ₹0 Cr 7. Kotak Medium Term Fund
Kotak Medium Term Fund
Growth Launch Date 25 Mar 14 NAV (03 Nov 26) ₹24.4092 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹1,912 on 30 Sep 26 Category Debt - Medium term Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.63 Sharpe Ratio 0.01 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 8.46% Effective Maturity 5 Years 2 Months 23 Days Modified Duration 2 Years 9 Months 7 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,267 31 Oct 23 ₹10,836 31 Oct 24 ₹11,923 31 Oct 25 ₹12,948 31 Oct 26 ₹13,474 Returns for Kotak Medium Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Nov 26 Duration Returns 1 Month -0.2% 3 Month -0.2% 6 Month 2.5% 1 Year 4.2% 3 Year 7.5% 5 Year 6.2% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 8.9% 2024 9% 2023 6.1% 2022 3.2% 2021 4.7% 2020 8.5% 2019 7% 2018 5.4% 2017 6.6% 2016 10.9% Fund Manager information for Kotak Medium Term Fund
Name Since Tenure Deepak Agrawal 25 Mar 14 12.53 Yr. Vihag Mishra 1 Jun 25 1.33 Yr. Data below for Kotak Medium Term Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 3.76% Equity 9.76% Debt 86.16% Other 0.31% Debt Sector Allocation
Sector Value Corporate 78.02% Government 8.14% Cash Equivalent 3.76% Credit Quality
Rating Value A 8.06% AA 59.92% AAA 32.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jtpm Metal TRaders Limited
Debentures | -6% ₹108 Cr 10,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -5% ₹96 Cr 10,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -5% ₹90 Cr 9,000 Adani Power Limited
Debentures | -5% ₹89 Cr 9,000 Embassy Office Parks REIT (Real Estate)
-, Since 31 May 21 | 5426024% ₹78 Cr 1,788,346 360 One Prime Limited
Debentures | -4% ₹75 Cr 7,500 Mas Financial Services Limited
Debentures | -4% ₹74 Cr 7,500 TATA Steel Limited
Debentures | -4% ₹73 Cr 750 Aditya Birla Renewables Limited
Debentures | -3% ₹60 Cr 6,000 Aditya Birla Real Estate Limited
Debentures | -3% ₹54 Cr 5,500 8. Axis Strategic Bond Fund
Axis Strategic Bond Fund
Growth Launch Date 28 Mar 12 NAV (03 Nov 26) ₹30.11 ↑ 0.02 (0.07 %) Net Assets (Cr) ₹1,972 on 30 Sep 26 Category Debt - Medium term Bond AMC Axis Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.32 Sharpe Ratio 0.13 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 8.72% Effective Maturity 4 Years 6 Months Modified Duration 3 Years 29 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,329 31 Oct 23 ₹11,038 31 Oct 24 ₹12,043 31 Oct 25 ₹13,085 31 Oct 26 ₹13,700 Returns for Axis Strategic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Nov 26 Duration Returns 1 Month 0% 3 Month 0.2% 6 Month 2.9% 1 Year 4.9% 3 Year 7.5% 5 Year 6.5% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 8.2% 2024 8.7% 2023 7.3% 2022 3.8% 2021 5.2% 2020 10.5% 2019 7.1% 2018 6.7% 2017 7.5% 2016 11.6% Fund Manager information for Axis Strategic Bond Fund
Name Since Tenure Devang Shah 5 Nov 12 13.91 Yr. Sachin Jain 1 Feb 23 3.67 Yr. Akhil Thakker 1 Feb 23 3.67 Yr. Data below for Axis Strategic Bond Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 4.81% Equity 3.75% Debt 91.12% Other 0.32% Debt Sector Allocation
Sector Value Corporate 68.19% Government 22.93% Cash Equivalent 4.81% Credit Quality
Rating Value A 7.02% AA 63.08% AAA 29.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -9% ₹177 Cr 18,250,000
↑ 500,000 Jubilant Beverages Limited
Debentures | -4% ₹73 Cr 6,500 GMR Hyderabad International Airport Ltd
Debentures | -3% ₹65 Cr 6,500 Jubilant Bevco Limited
Debentures | -3% ₹62 Cr 5,500 Tamilnadu State Development Loans
Sovereign Bonds | -3% ₹61 Cr 6,358,600 Adani Power Limited
Debentures | -3% ₹60 Cr 6,000 Delhi International Airport Limited
Debentures | -3% ₹55 Cr 5,500 Aditya Birla Digital Fashion Ventures Limited
Debentures | -3% ₹55 Cr 5,500 Hiranandani Financial Services Private Limited
Debentures | -3% ₹51 Cr 5,200 Aadhar Housing Finance Limited
Debentures | -3% ₹50 Cr 5,000
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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