+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.
Talk to our investment specialist
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 |
Top 8 Best Performing Debt Funds 2025
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 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 Reliance Medium Term Fund) The primary investment objective of the Scheme is to generate regular income in order to make regular dividend payments to unit-holders and the secondary objective is growth of capital. Research Highlights for Nippon India Prime Debt Fund Below is the key information for Nippon India Prime Debt Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Ultra Short Term Plan) ICICI Prudential Ultra Short Term Plan is an open-ended income fund that intends to generate regular income through investments in a basket of debt and money market instruments of very short maturities with a view to providing reasonable returns, while maintaining an optimum balance of safety, liquidity and yield. However, there can be no assurance that the investment objective of the scheme will be realized. Research Highlights for ICICI Prudential Corporate Bond Fund Below is the key information for ICICI Prudential Corporate 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 (09 Sep 25) ₹22.7035 ↑ 0.02 (0.08 %) Net Assets (Cr) ₹1,023 on 31 Jul 25 Category Debt - Credit Risk AMC Birla Sun Life Asset Management Co Ltd Rating Risk Moderate Expense Ratio 1.54 Sharpe Ratio 2.49 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 7.6% Effective Maturity 3 Years 29 Days Modified Duration 2 Years 29 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,915 31 Aug 22 ₹11,640 31 Aug 23 ₹12,420 31 Aug 24 ₹13,465 31 Aug 25 ₹15,633 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 9 Sep 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 5.6% 1 Year 16.1% 3 Year 10.3% 5 Year 9.3% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
Name Since Tenure Sunaina Cunha 17 Apr 15 10.38 Yr. Mohit Sharma 6 Aug 20 5.07 Yr. Data below for Aditya Birla Sun Life Credit Risk Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 5.29% Equity 7.81% Debt 86.57% Other 0.33% Debt Sector Allocation
Sector Value Corporate 68.89% Government 17.68% Cash Equivalent 5.29% Credit Quality
Rating Value A 5.73% AA 68.33% AAA 25.94% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -7% ₹71 Cr 7,000,000
↑ 1,500,000 JSW Steel Limited
Debentures | -5% ₹55 Cr 550 Aditya Birla Real Estate Limited
Debentures | -4% ₹45 Cr 4,500 5.00% Gmr Airport Ltd (13/02/2027) **
Debentures | -4% ₹37 Cr 3,700
↑ 3,700 7.18% Govt Stock 2037
Sovereign Bonds | -4% ₹36 Cr 3,500,000 Jubilant Bevco Limited
Debentures | -3% ₹31 Cr 3,000 Narayana Hrudayalaya Limited
Debentures | -3% ₹30 Cr 3,000 JSW Energy Limited
Debentures | -3% ₹30 Cr 3,000 360 One Prime Limited
Debentures | -3% ₹30 Cr 3,000 Sis Limited
Debentures | -3% ₹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 (09 Sep 25) ₹40.3524 ↑ 0.02 (0.05 %) Net Assets (Cr) ₹2,744 on 31 Jul 25 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.57 Sharpe Ratio 2.94 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 7.44% Effective Maturity 4 Years 9 Months 4 Days Modified Duration 3 Years 6 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹11,020 31 Aug 22 ₹13,676 31 Aug 23 ₹14,631 31 Aug 24 ₹15,802 31 Aug 25 ₹17,809 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 9 Sep 25 Duration Returns 1 Month 0.2% 3 Month 1% 6 Month 5% 1 Year 12.8% 3 Year 9.2% 5 Year 12.2% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 9.5% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 11.01 Yr. Mohit Sharma 6 Aug 20 5.07 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 7.57% Equity 4.03% Debt 88.15% Other 0.25% Debt Sector Allocation
Sector Value Corporate 55.83% Government 32.32% Cash Equivalent 7.57% Credit Quality
Rating Value A 3.86% AA 40.97% AAA 55.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -7% ₹194 Cr 18,696,700 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹192 Cr 18,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -6% ₹168 Cr 16,500,000
↓ -5,000,000 Nuvama Wealth Finance Limited
Debentures | -3% ₹96 Cr 9,500 5.00% Gmr Airport Ltd (13/02/2027) **
Debentures | -3% ₹80 Cr 8,000
↑ 8,000 Jubilant Bevco Limited
Debentures | -3% ₹77 Cr 7,400 Indian Railway Finance Corporation Limited
Debentures | -3% ₹75 Cr 7,500 National Bank For Financing Infrastructure And Development
Debentures | -3% ₹71 Cr 7,000 Power Grid Corporation Of India Limited
Debentures | -2% ₹70 Cr 7,000 360 One Prime Limited
Debentures | -2% ₹65 Cr 6,500 3. Nippon India Credit Risk Fund
Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (09 Sep 25) ₹35.5576 ↑ 0.03 (0.09 %) Net Assets (Cr) ₹1,014 on 31 Jul 25 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 3.44 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 8.28% Effective Maturity 2 Years 3 Months 25 Days Modified Duration 1 Year 11 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹11,574 31 Aug 22 ₹12,031 31 Aug 23 ₹12,922 31 Aug 24 ₹13,930 31 Aug 25 ₹15,227 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 25 Duration Returns 1 Month 0.4% 3 Month 1.6% 6 Month 5.2% 1 Year 9.4% 3 Year 8.2% 5 Year 8.8% 10 Year 15 Year Since launch 6.5% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 8.8% Fund Manager information for Nippon India Credit Risk Fund
Name Since Tenure Kinjal Desai 25 May 18 7.28 Yr. Sushil Budhia 1 Feb 20 5.59 Yr. Data below for Nippon India Credit Risk Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 8.92% Debt 90.78% Other 0.29% Debt Sector Allocation
Sector Value Corporate 76.68% Government 14.1% Cash Equivalent 8.92% Credit Quality
Rating Value A 25.36% AA 43.97% AAA 30.68% 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% ₹48 Cr 5,000 Jubilant Bevco Limited
Debentures | -4% ₹42 Cr 4,000 TRuhome Finance Limited
Debentures | -4% ₹41 Cr 4,000 Mancherial Repallewada Road Private Limited
Debentures | -4% ₹41 Cr 4,500 Prestige Projects Private Limited
Debentures | -4% ₹40 Cr 4,000 The Sandur Manganese And Iron Ores Limited
Debentures | -4% ₹39 Cr 4,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -4% ₹38 Cr 3,800 Delhi International Airport Limited
Debentures | -4% ₹36 Cr 3,500 Vedanta Limited
Debentures | -4% ₹35 Cr 3,500 4. ICICI Prudential Regular Savings Fund
ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (09 Sep 25) ₹32.2736 ↑ 0.01 (0.04 %) Net Assets (Cr) ₹6,044 on 31 Jul 25 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.43 Sharpe Ratio 2.62 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 7.91% Effective Maturity 2 Years 7 Months 2 Days Modified Duration 1 Year 10 Months 13 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,848 31 Aug 22 ₹11,369 31 Aug 23 ₹12,110 31 Aug 24 ₹13,153 31 Aug 25 ₹14,280 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 25 Duration Returns 1 Month 0.6% 3 Month 1.4% 6 Month 5.1% 1 Year 8.7% 3 Year 8% 5 Year 7.3% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 9% Fund Manager information for ICICI Prudential Regular Savings Fund
Name Since Tenure Manish Banthia 7 Nov 16 8.82 Yr. Akhil Kakkar 22 Jan 24 1.61 Yr. Data below for ICICI Prudential Regular Savings Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 8.22% Equity 7.86% Debt 83.54% Other 0.37% Debt Sector Allocation
Sector Value Corporate 72.73% Government 14.8% Cash Equivalent 4.23% Credit Quality
Rating Value A 16.98% AA 57.39% AAA 24.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -5% ₹329 Cr 31,767,530 Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 5426024% ₹233 Cr 6,030,181 Millennia Realtors Private Limited
Debentures | -4% ₹211 Cr 2,100 Varroc Engineering Limited
Debentures | -3% ₹204 Cr 25,000 Vedanta Limited
Debentures | -3% ₹201 Cr 20,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -3% ₹186 Cr 18,500 Aadhar Housing Finance Limited
Debentures | -3% ₹177 Cr 17,500 6.79% Govt Stock 2034
Sovereign Bonds | -3% ₹169 Cr 16,539,430
↑ 8,068,500 Nirma Limited
Debentures | -3% ₹152 Cr 15,000 Lodha Developers Limited
Debentures | -2% ₹150 Cr 15,000 5. SBI Credit Risk Fund
SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (09 Sep 25) ₹46.1917 ↑ 0.03 (0.07 %) Net Assets (Cr) ₹2,221 on 31 Jul 25 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 2.43 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 7.93% Effective Maturity 2 Years 11 Months 16 Days Modified Duration 2 Years 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,757 31 Aug 22 ₹11,148 31 Aug 23 ₹12,035 31 Aug 24 ₹12,969 31 Aug 25 ₹14,026 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 25 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 4.6% 1 Year 8.2% 3 Year 8% 5 Year 7% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 9.7% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 8.59 Yr. Data below for SBI Credit Risk Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 8.22% Equity 2.91% Debt 88.5% Other 0.36% Debt Sector Allocation
Sector Value Corporate 73.53% Government 14.97% Cash Equivalent 8.22% Credit Quality
Rating Value A 21.83% AA 62.09% AAA 16.08% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.92% Govt Stock 2039
Sovereign Bonds | -7% ₹152 Cr 15,000,000 Aadhar Housing Finance Limited
Debentures | -5% ₹113 Cr 11,200 Nirma Limited
Debentures | -5% ₹112 Cr 11,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹106 Cr 11,000 Infopark Properties Limited
Debentures | -5% ₹106 Cr 10,500 Nj Capital Private Limited
Debentures | -4% ₹100 Cr 10,000 The Sandur Manganese And Iron Ores Limited
Debentures | -4% ₹83 Cr 8,500 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹82 Cr 8,000,000 Avanse Financial Services Limited
Debentures | -4% ₹80 Cr 8,000 Renserv Global Private Limited
Debentures | -4% ₹80 Cr 8,000 6. ICICI Prudential Constant Maturity Gilt Fund
ICICI Prudential Constant Maturity Gilt Fund
Growth Launch Date 12 Sep 14 NAV (09 Sep 25) ₹24.8609 ↓ -0.02 (-0.10 %) Net Assets (Cr) ₹2,368 on 31 Jul 25 Category Debt - 10 Yr Govt Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.39 Sharpe Ratio 1.26 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 6.57% Effective Maturity 9 Years 6 Months 14 Days Modified Duration 6 Years 10 Months 2 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,621 31 Aug 22 ₹10,704 31 Aug 23 ₹11,438 31 Aug 24 ₹12,412 31 Aug 25 ₹13,382 Returns for ICICI Prudential Constant Maturity Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 25 Duration Returns 1 Month 0.1% 3 Month 0.1% 6 Month 4.5% 1 Year 8.6% 3 Year 7.9% 5 Year 6% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.3% 2023 7.7% 2022 1.2% 2021 2.8% 2020 13.6% 2019 12.8% 2018 9.7% 2017 2.4% 2016 16.2% 2015 6.9% Fund Manager information for ICICI Prudential Constant Maturity Gilt Fund
Name Since Tenure Manish Banthia 22 Jan 24 1.61 Yr. Raunak Surana 22 Jan 24 1.61 Yr. Data below for ICICI Prudential Constant Maturity Gilt Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 2.19% Debt 97.81% Debt Sector Allocation
Sector Value Government 97.81% Cash Equivalent 2.19% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -35% ₹800 Cr 78,374,500
↓ -7,000,000 6.64% Govt Stock 2035
Sovereign Bonds | -28% ₹640 Cr 63,500,000 7.1% Govt Stock 2034
Sovereign Bonds | -22% ₹510 Cr 49,219,850
↓ -2,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -6% ₹145 Cr 14,000,000 6.92% Govt Stock 2039
Sovereign Bonds | -3% ₹66 Cr 6,500,000
↑ 2,000,000 6.19% Govt Stock 2034
Sovereign Bonds | -2% ₹49 Cr 5,000,000 6.67% Govt Stock 2035
Sovereign Bonds | -1% ₹25 Cr 2,500,000 6.33% Goi 2035
Sovereign Bonds | -0% ₹4 Cr 413,500 Net Current Assets
Net Current Assets | -2% ₹42 Cr Treps
CBLO/Reverse Repo | -0% ₹8 Cr 7. Nippon India Prime Debt Fund
Nippon India Prime Debt Fund
Growth Launch Date 14 Sep 00 NAV (09 Sep 25) ₹60.6916 ↑ 0.05 (0.08 %) Net Assets (Cr) ₹10,013 on 31 Jul 25 Category Debt - Corporate Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.71 Sharpe Ratio 1.79 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.81% Effective Maturity 4 Years 7 Months 20 Days Modified Duration 3 Years 6 Months 7 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,669 31 Aug 22 ₹11,045 31 Aug 23 ₹11,818 31 Aug 24 ₹12,745 31 Aug 25 ₹13,815 Returns for Nippon India Prime Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 25 Duration Returns 1 Month 0% 3 Month 0.5% 6 Month 4.8% 1 Year 8.5% 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 8.4% 2023 7.1% 2022 4.3% 2021 4.7% 2020 9.5% 2019 7.8% 2018 6.9% 2017 6.6% 2016 9.1% 2015 8.7% Fund Manager information for Nippon India Prime Debt Fund
Name Since Tenure Vivek Sharma 1 Feb 20 5.59 Yr. Kinjal Desai 25 May 18 7.28 Yr. Data below for Nippon India Prime Debt Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 7.81% Debt 91.94% Other 0.25% Debt Sector Allocation
Sector Value Corporate 54.57% Government 38.07% Cash Equivalent 7.11% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -5% ₹459 Cr 45,000,000
↑ 12,000,000 7.02% Govt Stock 2031
Sovereign Bonds | -4% ₹413 Cr 40,000,000 6.92% Govt Stock 2039
Sovereign Bonds | -3% ₹354 Cr 35,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹311 Cr 30,000,000
↑ 7,500,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹224 Cr 22,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹211 Cr 20,500 Small Industries Development Bank Of India
Debentures | -2% ₹204 Cr 20,000 Aditya Birla Housing Finance Limited
Debentures | -2% ₹203 Cr 20,000 Andhra Pradesh (Government of) 6.77%
- | -2% ₹200 Cr 20,000,000
↑ 20,000,000 Small Industries Development Bank Of India
Debentures | -2% ₹183 Cr 18,000 8. ICICI Prudential Corporate Bond Fund
ICICI Prudential Corporate Bond Fund
Growth Launch Date 11 Aug 09 NAV (09 Sep 25) ₹30.1929 ↑ 0.01 (0.05 %) Net Assets (Cr) ₹33,574 on 31 Jul 25 Category Debt - Corporate Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.57 Sharpe Ratio 2.12 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.78% Effective Maturity 4 Years 6 Months 29 Days Modified Duration 2 Years 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,588 31 Aug 22 ₹10,970 31 Aug 23 ₹11,791 31 Aug 24 ₹12,695 31 Aug 25 ₹13,731 Returns for ICICI Prudential Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 25 Duration Returns 1 Month 0.2% 3 Month 0.9% 6 Month 4.5% 1 Year 8.3% 3 Year 7.7% 5 Year 6.5% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 8% 2023 7.6% 2022 4.5% 2021 4.1% 2020 10.4% 2019 9.9% 2018 6.4% 2017 6.3% 2016 9.8% 2015 8.8% Fund Manager information for ICICI Prudential Corporate Bond Fund
Name Since Tenure Manish Banthia 22 Jan 24 1.61 Yr. Ritesh Lunawat 22 Jan 24 1.61 Yr. Data below for ICICI Prudential Corporate Bond Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 7.09% Debt 92.64% Other 0.27% Debt Sector Allocation
Sector Value Corporate 63.06% Government 31.52% Cash Equivalent 5.15% Credit Quality
Rating Value AAA 99.49% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.81% Govt Stock 2033
Sovereign Bonds | -6% ₹1,925 Cr 185,277,360 LIC Housing Finance Ltd
Debentures | -4% ₹1,459 Cr 143,500
↑ 5,000 6.79% Govt Stock 2034
Sovereign Bonds | -3% ₹973 Cr 95,277,410
↑ 74,519,500 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹866 Cr 83,594,780 Pipeline Infrastructure Limited
Debentures | -2% ₹835 Cr 80,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹795 Cr 78,750
↓ -31,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹650 Cr 64,000
↑ 24,000 Bharat Petroleum Corporation Limited
Debentures | -2% ₹594 Cr 59,000 7.34% Govt Stock 2064
Sovereign Bonds | -2% ₹593 Cr 58,412,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹565 Cr 55,550
↓ -32,500
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.
You Might Also Like
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2025 Shepard Technologies Private Limited. All Rights Reserved
Research Highlights for Aditya Birla Sun Life Credit Risk Fund