+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 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 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 (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 (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 (01 Jul 26) ₹25.1515 ↑ 0.01 (0.05 %) Net Assets (Cr) ₹1,391 on 31 May 26 Category Debt - Credit Risk AMC Birla Sun Life Asset Management Co Ltd Rating Risk Moderate Expense Ratio 1.54 Sharpe Ratio 1.6 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 8.4% Effective Maturity 2 Years 6 Months Modified Duration 1 Year 10 Months 13 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,394 30 Jun 23 ₹11,402 30 Jun 24 ₹12,282 30 Jun 25 ₹14,326 30 Jun 26 ₹16,109 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 1 Jul 26 Duration Returns 1 Month 1.9% 3 Month 3.1% 6 Month 7.8% 1 Year 12.3% 3 Year 12.2% 5 Year 10% 10 Year 15 Year Since launch 8.6% 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 11.13 Yr. Mohit Sharma 6 Aug 20 5.82 Yr. Data below for Aditya Birla Sun Life Credit Risk Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 12.27% Equity 6.79% Debt 80.27% Other 0.67% Debt Sector Allocation
Sector Value Corporate 57.84% Government 22.43% Cash Equivalent 12.27% Credit Quality
Rating Value A 20.97% AA 52.14% AAA 26.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity GMR Airports Limited
Debentures | -4% ₹54 Cr 5,200 6.48% Govt Stock 2035
Sovereign Bonds | -4% ₹54 Cr 5,615,800
↑ 1,500,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹50 Cr 5,000
↑ 2,500 Jubilant Bevco Limited
Debentures | -3% ₹43 Cr 4,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹34 Cr 3,500 Hinduja Leyland Finance Limited
Debentures | -2% ₹34 Cr 3,500 Kogta Financial (India) Limited
Debentures | -2% ₹32 Cr 3,250 GAursons India Private Limited
Debentures | -2% ₹32 Cr 3,200 Jtpm Metal TRaders Limited
Debentures | -2% ₹30 Cr 2,877 Vedanta Limited
Debentures | -2% ₹30 Cr 3,000 2. Aditya Birla Sun Life Medium Term Plan
Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (01 Jul 26) ₹43.5093 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹3,127 on 31 May 26 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.57 Sharpe Ratio 0.7 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 8.49% Effective Maturity 3 Years 10 Months 10 Days Modified Duration 2 Years 10 Months 6 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,728 30 Jun 23 ₹13,320 30 Jun 24 ₹14,287 30 Jun 25 ₹16,274 30 Jun 26 ₹17,721 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 1 Jul 26 Duration Returns 1 Month 2% 3 Month 3% 6 Month 5.4% 1 Year 8.8% 3 Year 10% 5 Year 12.1% 10 Year 15 Year Since launch 8.9% 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 11.75 Yr. Mohit Sharma 6 Aug 20 5.82 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 May 26
Asset Allocation
Asset Class Value Cash 3.63% Equity 4.19% Debt 91.69% Other 0.5% Debt Sector Allocation
Sector Value Corporate 58.56% Government 33.13% Cash Equivalent 3.63% Credit Quality
Rating Value A 15.68% AA 38.39% AAA 45.93% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -6% ₹193 Cr 19,196,700
↓ -2,000,000 6.48% Govt Stock 2035
Sovereign Bonds | -6% ₹187 Cr 19,500,000
↑ 5,000,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹124 Cr 12,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹112 Cr 11,500 Hinduja Leyland Finance Limited
Debentures | -3% ₹107 Cr 11,000 Oxyzo Financial Services Limited
Debentures | -3% ₹89 Cr 9,000 GMR Airports Limited
Debentures | -3% ₹83 Cr 8,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹80 Cr 7,673 Jubilant Bevco Limited
Debentures | -3% ₹80 Cr 7,400 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 (01 Jul 26) ₹34.4345 ↑ 0.03 (0.10 %) Net Assets (Cr) ₹6,005 on 31 May 26 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.43 Sharpe Ratio 0.95 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 8.93% Effective Maturity 3 Years 1 Month 10 Days Modified Duration 2 Years 14 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,446 30 Jun 23 ₹11,169 30 Jun 24 ₹12,039 30 Jun 25 ₹13,186 30 Jun 26 ₹14,248 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 1.6% 3 Month 2.9% 6 Month 3.7% 1 Year 8.1% 3 Year 8.5% 5 Year 7.4% 10 Year 15 Year Since launch 8.3% 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 9.57 Yr. Akhil Kakkar 22 Jan 24 2.36 Yr. Data below for ICICI Prudential Regular Savings Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 10.02% Equity 8.86% Debt 80.73% Other 0.39% Debt Sector Allocation
Sector Value Corporate 70.2% Government 16.83% Cash Equivalent 3.72% Credit Quality
Rating Value A 14.99% AA 56.69% AAA 28.33% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 5426024% ₹240 Cr 5,689,951 Vedanta Limited
Debentures | -3% ₹200 Cr 20,000 Keystone Realtors Limited
Debentures | -3% ₹198 Cr 23,500 Adani Enterprises Limited
Debentures | -3% ₹198 Cr 20,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹189 Cr 18,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -3% ₹186 Cr 18,500 Nirma Limited
Debentures | -3% ₹150 Cr 15,000 Hiranandani Financial Services Private Limited
Debentures | -2% ₹148 Cr 15,000
↑ 15,000 6.48% Govt Stock 2035
Sovereign Bonds | -2% ₹144 Cr 15,000,000 Sis Limited
Debentures | -2% ₹125 Cr 12,500 4. Nippon India Credit Risk Fund
Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (01 Jul 26) ₹37.7292 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹1,410 on 31 May 26 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 0.69 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 9.12% Effective Maturity 2 Years 5 Months 5 Days Modified Duration 2 Years 11 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹11,038 30 Jun 23 ₹11,871 30 Jun 24 ₹12,772 30 Jun 25 ₹13,989 30 Jun 26 ₹15,057 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 1.5% 3 Month 2.7% 6 Month 3.9% 1 Year 7.6% 3 Year 8.3% 5 Year 8.5% 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 8.02 Yr. Sushil Budhia 1 Feb 20 6.33 Yr. Amber Singhania 11 Mar 26 0.22 Yr. Data below for Nippon India Credit Risk Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 8.58% Debt 91.2% Other 0.22% Debt Sector Allocation
Sector Value Corporate 76.01% Government 18.63% Cash Equivalent 5.14% Credit Quality
Rating Value A 20.8% AA 37.6% AAA 41.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -6% ₹75 Cr 7,500,000 Aditya Birla Real Estate Limited
Debentures | -4% ₹54 Cr 5,500 Delhi International Airport Limited
Debentures | -4% ₹50 Cr 5,000 Mindspace Business Parks Reit
Debentures | -4% ₹49 Cr 5,000 HDFC Bank Ltd.
Debentures | -3% ₹47 Cr 1,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -3% ₹46 Cr 5,000 Muthoot Fincorp Limited
Debentures | -3% ₹45 Cr 45,000 TRuhome Finance Limited
Debentures | -3% ₹40 Cr 4,000 Navi Finserv Limited
Debentures | -3% ₹40 Cr 40,000 GAursons India Private Limited
Debentures | -3% ₹40 Cr 4,000 5. Kotak Medium Term Fund
Kotak Medium Term Fund
Growth Launch Date 25 Mar 14 NAV (01 Jul 26) ₹24.3467 ↑ 0.02 (0.10 %) Net Assets (Cr) ₹1,814 on 31 May 26 Category Debt - Medium term Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.63 Sharpe Ratio -0.34 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 8.72% Effective Maturity 4 Years 2 Months 1 Day Modified Duration 2 Years 8 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,293 30 Jun 23 ₹10,908 30 Jun 24 ₹11,765 30 Jun 25 ₹12,903 30 Jun 26 ₹13,770 Returns for Kotak Medium Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 1.9% 3 Month 3% 6 Month 3% 1 Year 6.7% 3 Year 8.1% 5 Year 6.6% 10 Year 15 Year Since launch 7.5% 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 12.19 Yr. Vihag Mishra 1 Jun 25 1 Yr. Data below for Kotak Medium Term Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 2.94% Equity 9.71% Debt 87.03% Other 0.32% Debt Sector Allocation
Sector Value Corporate 73.94% Government 13.09% Cash Equivalent 2.94% Credit Quality
Rating Value A 8.6% AA 49.2% AAA 42.2% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jtpm Metal TRaders Limited
Debentures | -6% ₹105 Cr 10,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -5% ₹97 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% ₹75 Cr 1,788,346 TATA Steel Limited
Debentures | -4% ₹74 Cr 750 Pipeline Infrastructure Limited
Debentures | -3% ₹63 Cr 6,280 Aditya Birla Renewables Limited
Debentures | -3% ₹60 Cr 6,000 Aditya Birla Real Estate Limited
Debentures | -3% ₹54 Cr 5,500 Vedanta Limited
Debentures | -3% ₹50 Cr 5,000 6. Bandhan Government Securities Fund - Investment Plan
Bandhan Government Securities Fund - Investment Plan
Growth Launch Date 3 Dec 08 NAV (01 Jul 26) ₹37.866 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹1,794 on 31 May 26 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.13 Sharpe Ratio -0.9 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.6% Effective Maturity 32 Years 1 Month 28 Days Modified Duration 10 Years 11 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,066 30 Jun 23 ₹10,772 30 Jun 24 ₹11,818 30 Jun 25 ₹12,546 30 Jun 26 ₹13,565 Returns for Bandhan Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 4.2% 3 Month 6.5% 6 Month 7% 1 Year 7.8% 3 Year 8% 5 Year 6.3% 10 Year 15 Year Since launch 7.9% 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 15.64 Yr. Brijesh Shah 10 Jun 24 1.97 Yr. Data below for Bandhan Government Securities Fund - Investment Plan as on 31 May 26
Asset Allocation
Asset Class Value Cash 80.17% Debt 19.83% Debt Sector Allocation
Sector Value Cash Equivalent 80.17% Government 19.83% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -15% ₹279 Cr 31,000,000
↓ -60,000,000 6.68% Govt Stock 2040
Sovereign Bonds | -5% ₹86 Cr 9,100,000
↓ -106,400,000 Triparty Repo Trp_180526
CBLO/Reverse Repo | -80% ₹1,469 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹4 Cr Net Current Assets
Net Current Assets | -0% ₹3 Cr 7. ICICI Prudential Medium Term Bond Fund
ICICI Prudential Medium Term Bond Fund
Growth Launch Date 15 Sep 04 NAV (01 Jul 26) ₹48.2244 ↑ 0.02 (0.05 %) Net Assets (Cr) ₹5,429 on 31 May 26 Category Debt - Medium term Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderate Expense Ratio 1.37 Sharpe Ratio -0.04 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 8.57% Effective Maturity 6 Years 2 Months 5 Days Modified Duration 3 Years 2 Months 26 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,313 30 Jun 23 ₹11,089 30 Jun 24 ₹11,863 30 Jun 25 ₹12,989 30 Jun 26 ₹13,936 Returns for ICICI Prudential Medium Term Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 1.9% 3 Month 3.1% 6 Month 3.5% 1 Year 7.2% 3 Year 7.9% 5 Year 6.9% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 9% 2024 8% 2023 7% 2022 4.2% 2021 5.5% 2020 10.4% 2019 9.2% 2018 5.1% 2017 6.5% 2016 10.2% Fund Manager information for ICICI Prudential Medium Term Bond Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.57 Yr. Akhil Kakkar 22 Jan 24 2.36 Yr. Data below for ICICI Prudential Medium Term Bond Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 5.46% Equity 8.99% Debt 85.2% Other 0.35% Debt Sector Allocation
Sector Value Corporate 64.66% Government 21.4% Cash Equivalent 4.6% Credit Quality
Rating Value AA 61.72% AAA 38.28% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 5426024% ₹201 Cr 4,765,556 7.34% Govt Stock 2064
Sovereign Bonds | -3% ₹179 Cr 18,801,500 Adani Enterprises Limited
Debentures | -3% ₹173 Cr 17,500 Vedanta Limited
Debentures | -3% ₹170 Cr 17,000 6.9% Govt Stock 2065
Sovereign Bonds | -3% ₹158 Cr 17,500,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹157 Cr 15,000 TATA Projects Limited
Debentures | -3% ₹150 Cr 15,000 Oberoi Realty Limited
Debentures | -3% ₹149 Cr 15,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹148 Cr 150 Godrej Properties Limited
Debentures | -2% ₹126 Cr 12,500 8. Axis Strategic Bond Fund
Axis Strategic Bond Fund
Growth Launch Date 28 Mar 12 NAV (01 Jul 26) ₹29.9382 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹2,067 on 31 May 26 Category Debt - Medium term Bond AMC Axis Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.08 Sharpe Ratio -0.59 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 8.39% Effective Maturity 4 Years 6 Months 11 Days Modified Duration 3 Years 22 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,330 30 Jun 23 ₹11,105 30 Jun 24 ₹11,933 30 Jun 25 ₹13,075 30 Jun 26 ₹13,935 Returns for Axis Strategic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 1.9% 3 Month 2.9% 6 Month 3.4% 1 Year 6.5% 3 Year 7.9% 5 Year 6.9% 10 Year 15 Year Since launch 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 13.58 Yr. Sachin Jain 1 Feb 23 3.33 Yr. Akhil Thakker 1 Feb 23 3.33 Yr. Data below for Axis Strategic Bond Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 5.3% Equity 3.49% Debt 90.92% Other 0.29% Debt Sector Allocation
Sector Value Corporate 63.88% Government 27.04% Cash Equivalent 5.3% Credit Quality
Rating Value A 13.31% AA 52.37% AAA 34.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -5% ₹112 Cr 11,200,000 Jubilant Beverages Limited
Debentures | -3% ₹70 Cr 6,500 GMR Hyderabad International Airport Ltd
Debentures | -3% ₹66 Cr 6,500 Tamilnadu State Development Loans
Sovereign Bonds | -3% ₹62 Cr 6,358,600 Vedanta Limited
Debentures | -3% ₹60 Cr 6,000 Jubilant Bevco Limited
Debentures | -3% ₹60 Cr 5,500 Adani Power Limited
Debentures | -3% ₹60 Cr 6,000 Nuvama Wealth Finance Limited
Debentures | -3% ₹58 Cr 5,800 Delhi International Airport Limited
Debentures | -3% ₹55 Cr 5,500 Aditya Birla Digital Fashion Ventures Limited
Debentures | -3% ₹55 Cr 5,500
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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